How Much are Lincoln MKS Insurance Rates?

Lincoln MKS insurance rates are $123 per month on average, but 2014 Lincoln MKS insurance will cost less than a 2020 Lincoln. Where you live will also impact what you pay for Lincoln MKS insurance coverage. Enter your ZIP code below to start comparing Lincoln MKS insurance quotes in your city to find the best price on your personal Lincoln MKS auto insurance policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,472 a year or $123 each month
  • A liability-only policy costs around $590 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,380 a year or $448 each month
  • Good drivers can save as much as $607 a year by earning policy discounts
  • Lincoln MKS insurance costs around $47 less per year than the average vehicle

Lincoln MKS insurance rates are $49 per month for liability-only coverage, $123 per month for full coverage, and $448 per month for teen drivers. Continue reading to learn how you can get cheaper Lincoln MKS insurance rates.

You can start comparing quotes for Lincoln MKS insurance rates from some of the best auto insurance companies by using our free online tool now.

Lincoln MKS Insurance Cost

The average Lincoln MKS auto insurance costs are $1,472 a year or $123 a month.

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Are Lincoln MKSs Expensive to Insure?

The chart below details how Lincoln MKS insurance rates compare to other luxury cars like the Lexus IS 300, Mercedes-Benz CLS 550, and Audi A7.

Vehicle Comprehensive Collision Liability Total
Lexus IS 300 $356 $686 $398 $1,598
Mercedes-Benz CLS 550 $432 $952 $398 $1,940
Audi A7 $406 $834 $398 $1,796
Jaguar XE $382 $774 $398 $1,712
Cadillac CT6 $382 $774 $398 $1,712
Mercedes-Benz S450 $494 $982 $398 $2,032
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However, there are a few things you can do to find the cheapest Lincoln insurance rates online.

What Impacts the Cost of Lincoln MKS Insurance?

Even though the average annual rate for the Lincoln MKS is $1,472, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Lincoln MKS.

Age of the Vehicle

Older Lincoln MKS models generally cost less to insure. For example, auto insurance for a 2016 Lincoln MKS costs $1,472, while 2010 Lincoln MKS insurance costs are $1,198, a difference of $274.

Model Year Comprehensive Collision Liability Total
2016 Lincoln MKS $332 $640 $364 $1,472
2015 Lincoln MKS $314 $618 $376 $1,444
2014 Lincoln MKS $302 $574 $384 $1,396
2013 Lincoln MKS $290 $540 $388 $1,354
2012 Lincoln MKS $278 $484 $390 $1,288
2011 Lincoln MKS $260 $446 $390 $1,232
2010 Lincoln MKS $250 $418 $394 $1,198
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Driver Age

Driver age can have a significant effect on the cost of Lincoln MKS auto insurance. For example, a 20-year-old driver could pay around $150 more each month for their Lincoln MKS auto insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln MKS insurance rates. For example, drivers in New York may pay $383 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Lincoln MKS auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKS auto insurance rates with violations on their driving record.

Lincoln MKS Safety Ratings

Your Lincoln MKS insurance rates are tied to the safety ratings of the Lincoln MKS. See the breakdown below:

Test Type Rating
Small overlap front: driver-side P
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Lincoln MKS Crash Test Ratings

Lincoln MKS crash test ratings can impact the cost of your Lincoln MKS auto insurance. See Lincoln MKS crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2016 Lincoln MKS 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Lincoln MKS 4 DR AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lincoln MKS Safety Features

Most drivers don’t realize that not only do Lincoln MKS safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lincoln MKS auto insurance rates. The Lincoln MKS’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Adjustable Pedals
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Lincoln MKS Insurance Loss Probability

Another contributing factor that plays a direct role in Lincoln MKS insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision 21%
Property Damage -10%
Comprehensive 40%
Personal Injury -22%
Medical Payment 3%
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Lincoln MKS Finance and Insurance Cost

If you are financing a Lincoln MKS, most lenders will require your carry higher Lincoln MKS coverages including comprehensive coverage, so be sure to compare Lincoln MKS insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Lincoln MKS Insurance

You have more options at your disposal to save money on your Lincoln MKS auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lincoln MKS insurance rates

  • Don’t Assume your Lincoln MKS is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Don’t Skimp On Lincoln MKS Liability Coverage
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Lincoln MKS
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Ask About Usage-Based Insurance for Your Lincoln MKS

Top Lincoln MKS Insurance Companies

Who is the top auto insurance company for Lincoln MKS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln MKS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln MKS offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Lincoln MKS Insurance Quotes Online

To start comparing Lincoln MKS insurance rates for free, use our online auto insurance comparison tool.

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