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Lincoln MKS insurance rates are $43 per month for liability-only coverage, $123 per month for full coverage, and $448 per month for teen drivers. Good drivers can save up to $607 per year through policy discounts. Read more to learn how you can get cheaper Lincoln MKS insurance rates.
You can start comparing quotes for Lincoln MKS auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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The average Lincoln MKS autoinsurance rates are $1,472 a year or $123 a month.
The chart below details how Lincoln MKS insurance rates compare to other luxury cars like the Acura TLX, Cadillac CTS-V, and BMW M3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
| BMW M3 | $406 | $804 | $398 | $1,766 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Lexus GS 350 | $370 | $714 | $338 | $1,558 |
| Lexus IS 350 | $344 | $686 | $398 | $1,586 |
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
The Lincoln MKS trim and model you choose can impact the total price you will pay for Lincoln MKS auto insurance coverage.
The average Lincoln MKS auto insurance rates are higher for newer models. 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 |
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.
Where you live can have a large impact on Lincoln MKS insurance rates. For example, drivers in Jacksonville may pay $883 a year more than drivers in Indianapolis.
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.
Your Lincoln MKS auto insurance rates are influenced by 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 | |
Not only do good Lincoln MKS crash test ratings mean you are better protected in a crash, but good Lincoln MKS crash ratings also mean cheaper insurance rates.
| 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 | ||||
|---|---|---|---|---|
Having a variety of safety features on your Lincoln MKS can help lower your insurance costs. According to AutoBlog, the 2020 Lincoln MKS’s safety features include:
Another contributing factor that affects Lincoln MKS auto 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 | |
If you are financing a Lincoln MKS, most lenders will require your carry higher Lincoln MKS coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln MKS auto insurance quotes from the best companies using our FREE tool below.
Although it may seem like your Lincoln MKS auto insurance rates are set, there are a few measures that you can take to secure the best Lincoln MKS auto insurance rates possible. Take a look at the following five ways to save on Lincoln MKS auto insurance.
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 | |||
Start comparing Lincoln MKS auto insurance quotes for free by using our convenient online comparison tool.
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