Lincoln MKS Car Insurance [How to Find Cheap Rates]

Average Lincoln MKS auto insurance rates cost $123 per month ($1,472 per year). Comprehensive, collision, and liability insurance cost around $359, $523, and $415, respectively.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 7, 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

The best way to figure out how much Lincoln MKS car insurance rates might cost is by looking at the averages for drivers who have this model. Based on our research, we’ve found that the median Lincoln MKS rates cost $1,472 a year or $123 each month.

We have put this guide together so you can easily see how Lincoln MKS insurance rates are determined in an easy-to-follow format. It will provide you with everything you need to know so you can compare policies with confidence.

In fact, you can start comparing quotes for Lincoln MKS car insurance rates from some of the best car 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 Acura TLX, Chevrolet Corvette, and Audi S8.

Vehicle Comprehensive Collision Liability Total
Acura TLX $332 $686 $398 $1,574
Chevrolet Corvette $494 $922 $264 $1,790
Audi S8 $658 $1368 $398 $2,582
Jaguar XE $382 $774 $398 $1,712
Audi A7 $406 $834 $398 $1,796
Infiniti Q70 $370 $774 $338 $1,618
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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

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 Lincoln MKS car insurance rates. For example, 20-year-old drivers pay $1,800 more for their Lincoln MKS car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln MKS insurance rates. For example, drivers in Los Angeles may pay $1,266 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 Lincoln MKS’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Poor
Small overlap front: passenger-side N/R
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Lincoln MKS Crash Test Ratings

Lincoln MKS crash test ratings will affect your Lincoln MKS car 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 2016 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, you will pay more if you purchase Lincoln MKS auto insurance at the dealership, so be sure to shop around and compare Lincoln MKS auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lincoln MKS Insurance

Save more on your Lincoln MKS car insurance rates. Take a look at the following five strategies that will get you the best Lincoln MKS auto insurance rates possible.

  • Avoid the Temptation to File a Claim for Minor Incidents
  • Take Advantage of Referral Fees
  • Improve Your Credit Score
  • Ask About Student Discounts
  • Buy a Dashcam for Your Lincoln MKS

Top Lincoln MKS Insurance Companies

Who is the best 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

You can start comparing quotes for Lincoln MKS insurance from some of the top car insurance companies by using our free online tool today.

Read on to learn how these and other features affect its car insurance cost. Then get comparison car insurance quotes for your Lincoln MKS by entering your ZIP code above!

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What features of the Lincoln MKS affect the car insurance cost?

As technology advances, so do the innovation of luxury features for the Lincoln MKS. A short list of features boasted by Lincoln in the MKS includes:

  • Bridge of Weir Leather Seats
  • Dual Panel Moon roof
  • Rearview Back-up Camera
  • Rear Windshield Sunshade

As sophisticated as these features sound, safety ratings and features are more important to your insurance company.

The MKS has safety features such as side-curtain airbags for side-impact crashes, standard stability control, and an SOS feature that will sound the horn and engage flashers in the event of a crash or airbag deployment.

These features all improve the car insurance costs of this vehicle.

What resources can I use to find cheap car insurance?

You may find that shopping for car insurance for your Lincoln MKS is easier than you first thought. Researching the aspects of a good insurance carrier will make you more confident about your choice.

J.D. Powers and Associates, A.M. Best, and Standard and Poor’s may be helpful in making your decision.

These companies rate insurance companies on their solvency, performance, and standing in the community.

Internet and company research may also offer information on determining what your specific insurance needs may be.

Comparison sites will help you narrow your choices of carriers. You can compare as many as ten different rates at a time.

What type of insurance am I required to carry on a Lincoln MKS?

Every state has minimum requirements for coverage needed for liability.

Most policies have standard provisions that apply to all of their policies.

You may add personal injury protection or uninsured or underinsured motorist coverage to supplement your bodily injury or damage liability amounts.

Comprehensive and collision coverage is mandatory on financed vehicles, while the amount depends on the car you are insuring.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

How do I impact the car insurance cost for my Lincoln MKS?

Designing your insurance package is as exclusive as your driving record. Incidentally, your driving record has an impact on the rate quoted by the insurance company.

So are other factors like:

  • Credit score
  • Zip code
  • Age
  • Drivers in the household
  • Method of payment

You can determine a deductible to suit your needs. You can also add rental car replacement to your policy in addition to 24-hour towing.

If your insurance company does not offer accident forgiveness, you may want to reconsider your options.

If you have a college student or other part-time driver in the home, short-term coverage will work for them. Short-term coverage lasts from one to 28 days.

How can I save some money on Lincoln MKS car insurance costs?

Inquirers who want to save on their Lincoln MKS insurance policy need only make a few changes and improvements.

An increase in the deductible will make your premiums lower. If you pay your annual premium in advance, you will save. Driver safety courses lower premiums just as an improvement in your credit score.

How do other cars compare to the 2011 Lincoln MKS?

There are numerous online debates comparing this model with other makes with similar features and design. The 2011 Lincoln MKS is in a special class with competitors like:

  • Cadillac CTS
  • Mercedes E Class
  • Audi A8

The MKS model combines new technology with old-school design concepts. New technology is demonstrated in this model with Lincoln’s EcoBoost turbo option that makes its V6 engine run like a V8.

Keep in mind that more powerful engines command higher insurance rates.

New park assist technology uses ultrasonic sensors to make parking a cinch. The navigational system and rearview camera is quickly becoming a standard in all cars, while the split-wing grille is a throwback design from the 1941 Lincoln Continental.

Use your ZIP code to start your comparison search now for car insurance quotes from several companies for your Lincoln MKS!

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Average Monthly Car Insurance Rates by State