Lincoln MKS Insurance Rates

Estimated insurance prices for a Lincoln MKS are $1,004 every 12 months for full coverage insurance. Comprehensive costs on average $194, collision costs $272, and liability insurance costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $2,160. Teenage drivers pay the most at $3,896 a year or more.

Average premium for full coverage: $1,004

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates estimated Lincoln MKS insurance rates for different risk profiles and scenarios.

• The best discount rate is $598
• Using higher $1,000 deductibles will save around $106 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,004
• Using more expensive low deductibles for physical damage coverage increases the price to $1,208
• Drivers who are prone to accidents and violations could pay upwards of $2,160 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $3,896 or more

View Chart as Image

Insurance prices for a Lincoln MKS also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your MKS.

Using high physical damage deductibles could cut prices by as much as $310 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,360 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Lincoln MKS Insurance

Finding better rates on Lincoln MKS insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by requesting rates from direct insurance companies, and also from several local insurance agents.

The points below are a brief recap of the material that was covered in the charts and tables above.

• Drivers who require increased liability limits will pay an extra $440 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 pay higher prices, with premiums being up to $325 per month if full coverage is included
• High-risk drivers who tend to receive serious violations pay on average $1,160 more each year to insure a Lincoln MKS
• Increasing policy deductibles could save as much as $300 each year