Lincoln MKS Insurance Rates

The average auto insurance rates for a Lincoln MKS are $1,004 annually including full coverage. Comprehensive costs approximately $194, collision insurance costs $272, and liability costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $2,160. Teens cost the most to insure at up to $3,896 a year.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all MKS models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $598
• Drivers who choose higher $1,000 deductibles will pay $106 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,208
• Higher-risk drivers with serious driving violations could pay around $2,160
• Policy cost with full coverage for a teen driver for full coverage can cost $3,896 a year

View Chart as Image

Insurance rates for a Lincoln MKS also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 additional every year, depending on your age. Lincoln MKS insurance for high-risk drivers can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $310 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2009 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 Buy the Best Lincoln MKS Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief recap of the car insurance concepts touched on above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,160 more per year to insure their MKS
• You may be able to save around $120 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Policyholders who purchase more liability coverage will pay approximately $440 per year to go from a 30/60 limit to higher 250/500 limits