Lincoln MKS Insurance Rates
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UPDATED: Apr 8, 2024
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Average insurance prices for a Lincoln MKS are $1,090 every 12 months for full coverage insurance. Comprehensive insurance costs on average $220 a year, collision insurance costs $328, and liability insurance costs around $406. A liability-only policy costs as low as $450 a year, and high-risk insurance costs $2,348 or more. Teenage drivers receive the highest rates at up to $4,174 a year.
Average premium for full coverage: $1,090
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and MKS trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $450 for the bare minimum liability coverage to a high of $2,348 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.
These examples illustrate why it is important to compare prices based on a specific location 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 Rate Information
The chart below illustrates average Lincoln MKS insurance rates for different risk profiles and scenarios.
- The best discount rate is $641
- Using higher $1,000 deductibles will save around $966 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,090
- Using low $100 deductibles for physical damage coverage costs an extra $240 a year
- Drivers who are prone to accidents and violations could pay upwards of $2,348
- The cost to insure a teen driver may cost $4,174 or more
Insurance rates for a Lincoln MKS can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your MKS.
Using high physical damage deductibles could cut rates by as much as $370 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $366 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,470 on average in Michigan, New York, and Florida.
| 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% |
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 Shop for the Cheapest Lincoln MKS Insurance
Saving money on Lincoln MKS insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest time comparing rates once a year by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a recap of the data that was covered in the charts and tables above.
- It is possible to save as much as $130 per year just by quoting early and online
- Drivers who require higher liability limits will pay an extra $450 annually to increase from a minimum limit to a 250/500 level
- Teenagers pay the highest rates, costing up to $348 per month if they have full coverage
- High-risk drivers that have major violations or accidents pay on average $1,260 more each year for car insurance
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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