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Online Lincoln MKS Insurance Rates [Everything You Need to Know]

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 $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.

Table of Contents

Lincoln MKS Insurance Cost

The average Lincoln MKS autoinsurance rates are $1,472 a year or $123 a month.

Are Lincoln MKSs Expensive to Insure?

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
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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?

The Lincoln MKS trim and model you choose can impact the total price you will pay for Lincoln MKS auto insurance coverage.

Age of the Vehicle

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
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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 Jacksonville may pay $883 a year more than drivers in Indianapolis.

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 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
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Lincoln MKS Crash Test Ratings

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
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Lincoln MKS Safety Features

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:

  • 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 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
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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 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.

Ways to Save on Lincoln MKS Insurance

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.

  • Get Cheaper Lincoln MKS Insurance Rates as a Full-Time Parent
  • Pay Your Lincoln MKS Insurance Rates Upfront
  • Compare Lincoln MKS Insurance Rates Online
  • Check Your Lincoln MKS Policy Carefully to Ensure All Information is Correct
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

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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