Lincoln MKS Insurance Rates

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UPDATED: Apr 8, 2024

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Average insurance prices for a Lincoln MKS are $1,044 every 12 months including full coverage. Comprehensive insurance costs approximately $206, collision costs $300, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,248 or more. Teens receive the highest rates at $4,022 a year or more.

Average premium for full coverage: $1,044

Rate estimates by individual coverage type:

Comprehensive $206
Collision $300
Liability $402

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all MKS models.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $446 for just the minimum liability insurance to the much higher price of $2,248 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $1,044
High Risk $2,248

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

These examples highlight why everyone should get quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below breaks down estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $620
  • Choosing higher $1,000 deductibles can save $116 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,044
  • Selecting pricier low deductibles for comp and collision coverage costs an extra $222 a year
  • High-risk insureds with serious driving violations could pay around $2,248 or more
  • The cost to insure a teen driver for full coverage can cost $4,022 each year

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing full coverage Lincoln MKS insurance prices range from $620 to $4,022

Car insurance rates for a Lincoln MKS can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your MKS.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Lincoln MKS insurance for high-risk drivers ranges anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,490 on average in Louisiana, New York, and Michigan.

Lincoln MKS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$100 -9.6%
Alaska $800 -$244 -23.4%
Arizona $866 -$178 -17.0%
Arkansas $1,044 -$0 0.0%
California $1,188 $144 13.8%
Colorado $996 -$48 -4.6%
Connecticut $1,074 $30 2.9%
Delaware $1,178 $134 12.8%
Florida $1,302 $258 24.7%
Georgia $966 -$78 -7.5%
Hawaii $750 -$294 -28.2%
Idaho $708 -$336 -32.2%
Illinois $778 -$266 -25.5%
Indiana $788 -$256 -24.5%
Iowa $704 -$340 -32.6%
Kansas $992 -$52 -5.0%
Kentucky $1,422 $378 36.2%
Louisiana $1,546 $502 48.1%
Maine $644 -$400 -38.3%
Maryland $862 -$182 -17.4%
Massachusetts $832 -$212 -20.3%
Michigan $1,812 $768 73.6%
Minnesota $874 -$170 -16.3%
Mississippi $1,250 $206 19.7%
Missouri $926 -$118 -11.3%
Montana $1,120 $76 7.3%
Nebraska $822 -$222 -21.3%
Nevada $1,250 $206 19.7%
New Hampshire $752 -$292 -28.0%
New Jersey $1,168 $124 11.9%
New Mexico $922 -$122 -11.7%
New York $1,098 $54 5.2%
North Carolina $602 -$442 -42.3%
North Dakota $856 -$188 -18.0%
Ohio $720 -$324 -31.0%
Oklahoma $1,068 $24 2.3%
Oregon $956 -$88 -8.4%
Pennsylvania $994 -$50 -4.8%
Rhode Island $1,392 $348 33.3%
South Carolina $946 -$98 -9.4%
South Dakota $882 -$162 -15.5%
Tennessee $914 -$130 -12.5%
Texas $1,258 $214 20.5%
Utah $772 -$272 -26.1%
Vermont $712 -$332 -31.8%
Virginia $626 -$418 -40.0%
Washington $804 -$240 -23.0%
West Virginia $956 -$88 -8.4%
Wisconsin $720 -$324 -31.0%
Wyoming $930 -$114 -10.9%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Lincoln MKS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKS AWD 4-Dr Sedan $1,044 $87
Lincoln MKS 4-Dr Sedan $1,044 $87
Lincoln MKS Ecoboost AWD 4-Dr Sedan $1,064 $89

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.

Lincoln MKS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Lincoln MKS $260 $446 $390 $1,232
2015 Lincoln MKS $250 $418 $394 $1,198
2014 Lincoln MKS $244 $390 $402 $1,172
2013 Lincoln MKS $226 $362 $402 $1,126
2012 Lincoln MKS $220 $328 $406 $1,090
2011 Lincoln MKS $206 $300 $402 $1,044
2010 Lincoln MKS $194 $272 $402 $1,004
2009 Lincoln MKS $188 $246 $398 $968

Rates are averaged for all Lincoln MKS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Lincoln MKS Insurance

Saving money on Lincoln MKS insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below you'll find a recap of the concepts that were touched on above.

  • High-risk drivers that have major violations or accidents could be charged and average of $1,200 more per year than a low-risk driver
  • Youthful drivers pay the highest auto insurance rates, as much as $335 per month if the policy includes full coverage
  • You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $350 each year
  • You may be able to save around $120 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,022
20 $2,382
30 $1,074
40 $1,044
50 $956
60 $938

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,266
$250 $1,164
$500 $1,044
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,044
50/100 $1,144
100/300 $1,245
250/500 $1,506
100 CSL $1,185
300 CSL $1,406
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $5,708
20 $3,794
30 $2,282
40 $2,248
50 $2,144
60 $2,124

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $69
5-yr Claim Free $66
Paid in Full/EFT $42
Advance Quote $48
Online Quote $73
Total Discounts $424
Rate after discounts $620

Discounts are estimated and may not be available from every company or in every state.

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