Lincoln MKS 4-Dr Sedan Insurance Rates

Average insurance rates for a Lincoln MKS 4-Dr Sedan are $1,572 a year including full coverage. Comprehensive costs approximately $396, collision costs $730, and liability coverage costs around $310. Liability-only coverage costs as low as $370 a year, with high-risk coverage costing around $3,394. Teenage drivers receive the highest rates at $5,544 a year or more.

Annual premium for full coverage: $1,572

Rate estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln MKS Trim Level

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These differences highlight why everyone should compare prices using their specific location, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Lincoln MKS 4-Dr Sedan can also vary considerably based on the replacement cost of your MKS, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Lincoln MKS 4-Dr Sedan insurance for high-risk drivers can be around 45% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKS 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $750 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes can be significantly different.

View Chart as Image

The chart above shows average Lincoln MKS 4-Dr Sedan insurance prices for different risks and coverage choices. The cheapest price with discounts is $880. Drivers who use higher $1,000 deductibles will pay $1,318. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,572. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $2,068. Drivers with multiple violations and accidents could be charged as much as $3,394. The rate for full coverage insurance for a teenager can be as high as $5,544.

View Chart as Image