Lincoln MKS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,266 |
$250 | $1,164 |
$500 | $1,044 |
$1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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