Lincoln MKS Insurance Rates
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Lincoln MKS are $1,090 a year with full coverage. Comprehensive insurance costs on average $220 each year, collision costs $328, and liability costs $406. A policy with just liability insurance costs as little as $450 a year, with coverage for high-risk drivers costing $2,348 or more. Teens pay the highest rates at $4,174 a year or more.
Average premium for full coverage: $1,090
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and MKS models.
Price Range from Low to High
For a 40-year-old driver, Lincoln MKS insurance prices go from the low end price of $450 for just liability coverage to a high rate of $2,348 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how your location can change car insurance rates.
The ranges above demonstrate why all drivers should compare rates based on a specific location, instead of using 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.
Detailed Rate Analysis
The chart below details estimated Lincoln MKS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $641
- Drivers who choose higher $1,000 deductibles will pay around $124 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,090
- Selecting low deductibles for comprehensive and collision insurance will cost an additional $240 every year
- Higher-risk drivers with serious driving violations could pay upwards of $2,348 or more
- The price that insures a teen driver may cost $4,174 a year
Insurance prices for a Lincoln MKS are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,100 a year. View Rates by Age
The state you live in makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $790 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,470 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $986 | -$104 | -9.5% |
| Alaska | $838 | -$252 | -23.1% |
| Arizona | $904 | -$186 | -17.1% |
| Arkansas | $1,090 | -$0 | 0.0% |
| California | $1,242 | $152 | 13.9% |
| Colorado | $1,040 | -$50 | -4.6% |
| Connecticut | $1,118 | $28 | 2.6% |
| Delaware | $1,234 | $144 | 13.2% |
| Florida | $1,362 | $272 | 25.0% |
| Georgia | $1,008 | -$82 | -7.5% |
| Hawaii | $784 | -$306 | -28.1% |
| Idaho | $738 | -$352 | -32.3% |
| Illinois | $810 | -$280 | -25.7% |
| Indiana | $822 | -$268 | -24.6% |
| Iowa | $736 | -$354 | -32.5% |
| Kansas | $1,036 | -$54 | -5.0% |
| Kentucky | $1,488 | $398 | 36.5% |
| Louisiana | $1,612 | $522 | 47.9% |
| Maine | $672 | -$418 | -38.3% |
| Maryland | $900 | -$190 | -17.4% |
| Massachusetts | $868 | -$222 | -20.4% |
| Michigan | $1,892 | $802 | 73.6% |
| Minnesota | $914 | -$176 | -16.1% |
| Mississippi | $1,306 | $216 | 19.8% |
| Missouri | $968 | -$122 | -11.2% |
| Montana | $1,172 | $82 | 7.5% |
| Nebraska | $858 | -$232 | -21.3% |
| Nevada | $1,306 | $216 | 19.8% |
| New Hampshire | $786 | -$304 | -27.9% |
| New Jersey | $1,220 | $130 | 11.9% |
| New Mexico | $966 | -$124 | -11.4% |
| New York | $1,148 | $58 | 5.3% |
| North Carolina | $630 | -$460 | -42.2% |
| North Dakota | $894 | -$196 | -18.0% |
| Ohio | $750 | -$340 | -31.2% |
| Oklahoma | $1,118 | $28 | 2.6% |
| Oregon | $1,000 | -$90 | -8.3% |
| Pennsylvania | $1,038 | -$52 | -4.8% |
| Rhode Island | $1,454 | $364 | 33.4% |
| South Carolina | $990 | -$100 | -9.2% |
| South Dakota | $920 | -$170 | -15.6% |
| Tennessee | $956 | -$134 | -12.3% |
| Texas | $1,314 | $224 | 20.6% |
| Utah | $808 | -$282 | -25.9% |
| Vermont | $744 | -$346 | -31.7% |
| Virginia | $654 | -$436 | -40.0% |
| Washington | $842 | -$248 | -22.8% |
| West Virginia | $1,000 | -$90 | -8.3% |
| Wisconsin | $752 | -$338 | -31.0% |
| Wyoming | $970 | -$120 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $370 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Every company calculates prices differently, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKS AWD 4-Dr Sedan | $1,090 | $91 |
| Lincoln MKS 4-Dr Sedan | $1,090 | $91 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,112 | $93 |
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 | $278 | $484 | $390 | $1,288 |
| 2015 Lincoln MKS | $260 | $446 | $390 | $1,232 |
| 2014 Lincoln MKS | $250 | $418 | $394 | $1,198 |
| 2013 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2012 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2011 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2010 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2009 Lincoln MKS | $194 | $272 | $402 | $1,004 |
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 Find Cheaper Lincoln MKS Insurance
Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates at every other renewal by getting rate quotes from direct companies, and also from several local insurance agents.
The points below are a condensed summary of the concepts that were illustrated above.
- Higher risk drivers with multiple at-fault accidents pay on average $1,260 more each year to insure a Lincoln MKS
- Drivers under the age of 20 pay the highest prices, costing up to $348 a month if full coverage is included
- You may be able to save as much as $130 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $375 each year
- You may be able to save as much as $130 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,174 |
| 20 | $2,490 |
| 30 | $1,126 |
| 40 | $1,090 |
| 50 | $1,000 |
| 60 | $980 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,330 |
| $250 | $1,222 |
| $500 | $1,090 |
| $1,000 | $966 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,090 |
| 50/100 | $1,193 |
| 100/300 | $1,295 |
| 250/500 | $1,559 |
| 100 CSL | $1,234 |
| 300 CSL | $1,457 |
| 500 CSL | $1,620 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,926 |
| 20 | $3,964 |
| 30 | $2,386 |
| 40 | $2,348 |
| 50 | $2,242 |
| 60 | $2,220 |
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 | $57 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $45 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
Discounts are estimated and may not be available from every company or in every state.
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