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 $1,004 every 12 months including full coverage. Comprehensive insurance costs an estimated $194 each year, collision costs $272, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,160 or more. Teenage drivers receive the highest rates at $3,896 a year or more.
Average premium for full coverage: $1,004
Rate estimates broken down by individual coverage type:
Prices include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and MKS models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $446 for liability-only coverage to a high rate of $2,160 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples highlight why all drivers should get quotes for a targeted area and their own driving history, rather than relying on average rates.
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 Charts and Tables
The chart below breaks down estimated Lincoln MKS insurance rates for other coverage scenarios.
- The best discount rate is $598
- Choosing higher $1,000 deductibles can save approximately $106 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,004
- Using low deductibles for comp and collision coverage costs an extra $204 a year
- High-risk insureds who are prone to accidents and violations could pay up to $2,160 or more
- The cost to insure a teen driver can cost as much as $3,896 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 year and trim level.
Using high physical damage deductibles can save as much as $310 each year, whereas increasing liability limits will increase premiums. 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
More mature drivers 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 at least $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 133% more than a normal 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 $770 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,430 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $906 | -$98 | -9.8% |
| Alaska | $770 | -$234 | -23.3% |
| Arizona | $832 | -$172 | -17.1% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,144 | $140 | 13.9% |
| Colorado | $956 | -$48 | -4.8% |
| Connecticut | $1,030 | $26 | 2.6% |
| Delaware | $1,132 | $128 | 12.7% |
| Florida | $1,254 | $250 | 24.9% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $720 | -$284 | -28.3% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $748 | -$256 | -25.5% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $676 | -$328 | -32.7% |
| Kansas | $954 | -$50 | -5.0% |
| Kentucky | $1,368 | $364 | 36.3% |
| Louisiana | $1,486 | $482 | 48.0% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $800 | -$204 | -20.3% |
| Michigan | $1,742 | $738 | 73.5% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,202 | $198 | 19.7% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,078 | $74 | 7.4% |
| Nebraska | $790 | -$214 | -21.3% |
| Nevada | $1,204 | $200 | 19.9% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,122 | $118 | 11.8% |
| New Mexico | $888 | -$116 | -11.6% |
| New York | $1,058 | $54 | 5.4% |
| North Carolina | $580 | -$424 | -42.2% |
| North Dakota | $824 | -$180 | -17.9% |
| Ohio | $692 | -$312 | -31.1% |
| Oklahoma | $1,028 | $24 | 2.4% |
| Oregon | $920 | -$84 | -8.4% |
| Pennsylvania | $956 | -$48 | -4.8% |
| Rhode Island | $1,338 | $334 | 33.3% |
| South Carolina | $912 | -$92 | -9.2% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $878 | -$126 | -12.5% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $684 | -$320 | -31.9% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $774 | -$230 | -22.9% |
| West Virginia | $920 | -$84 | -8.4% |
| Wisconsin | $692 | -$312 | -31.1% |
| Wyoming | $894 | -$110 | -11.0% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, 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 | $1,004 | $84 |
| Lincoln MKS 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,022 | $85 |
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 | $250 | $418 | $394 | $1,198 |
| 2015 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2014 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2013 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2012 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2011 Lincoln MKS | $194 | $272 | $402 | $1,004 |
| 2010 Lincoln MKS | $188 | $246 | $398 | $968 |
| 2009 Lincoln MKS | $184 | $240 | $390 | $950 |
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 Right Lincoln MKS Insurance
Saving money on Lincoln MKS insurance takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following is a quick rundown of the data raised in the charts and tables above.
- Drivers who want higher liability limits will pay an extra $440 per year to raise limits from a minimum limit to a 250/500 level
- You may be able to save approximately $120 per year simply by quoting online in advance
- Increasing deductibles could save as much as $300 each year
- Teens have the highest car insurance rates, as much as $325 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,896 |
| 20 | $2,290 |
| 30 | $1,030 |
| 40 | $1,004 |
| 50 | $920 |
| 60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,208 |
| $250 | $1,114 |
| $500 | $1,004 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,102 |
| 100/300 | $1,203 |
| 250/500 | $1,464 |
| 100 CSL | $1,143 |
| 300 CSL | $1,364 |
| 500 CSL | $1,525 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,520 |
| 20 | $3,644 |
| 30 | $2,190 |
| 40 | $2,160 |
| 50 | $2,060 |
| 60 | $2,040 |
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 | $52 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $40 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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