Lincoln MKS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lincoln MKS is cheaper to insure than the average car.
• Liability insurance for a MKS comes in at about $81 per month, while full coverage normally tends to be around $169 a month.
• The most affordable car insurance company for a MKS is Dashers, who offers MKS drivers premiums as little as just $35 per month.

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MKS Overview

With 2016 models coming in with a base MSRP of $39,010, the Lincoln MKS is a great mid-level option for any driver.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that average Lincoln MKS insurance prices run about $153 monthly. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Lincoln MKS?

In the table above, you'll see that when you compare the Lincoln MKS to other vehicles, insurance rates are right around average. On average, MKS owners will pay about $81 a month for liability insurance, and around $169 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other Lincoln models, the MKS is slightly more expensive, with prices more than 5% higher than the rest of the company's vehicle lineup. However, compared to other vehicles of a similar body style, MKS coverage is cheaper than average, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

When compared to all vehicles, regardless of make, body style, or model, car insurance rates for both full coverage and liability only policies run more affordable than average.

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Who has the Cheapest Car Insurance for a Lincoln MKS?

If you're browsing for a new car insurance policy for your Lincoln MKS, you might want to know which carrier offers the most affordable premiums. Even though premiums can fluctuate pretty significantly from policyholder to policyholder, Dashers offers the cheapest average rates for liability only coverage, with rates sometimes as cheap as $35 per month. The runner up for lowest rates is MetroMile, with auto insurance policies starting as low as $37 a month.

Finishing off the rest of the top 5 are Empower, Hugo, and NationalGeneral. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln MKS.

Car insurance companies take a range of different things into consideration when calculating monthly prices. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a whole range of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Lincoln MKS?

There are a variety of attributes that insurance companies look at to calculate how much they charge for auto insurance -- and each company uses a different formula, so there's not just one carrier that's the cheapest for every MKS driver.

The sections below show a lot of factors insurance carriers use to calculate rates:

Vehicle Age

Lincoln has been making the MKS for quite some time -- and that means the car's age may play a big role in how much you'll pay for car insurance. Generally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, the MKS won't really fit this trend. However, as you can see in the table above, the cheapest Lincoln MKSs to insure are those that are 1 year old or less, while the most expensive models are MKSs that are 11 to 14 years old, on average.

Your Age

Age makes a significant difference in how much auto insurance companies will charge you for car insurance. In the table above, you'll see that young MKS drivers have higher rates compared to drivers who have more experience. In this case, drivers who are 18 to 24 pay $26 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for MKS drivers.

Your Gender

Did you know men typically pay more for auto insurance than women? This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. When it comes to MKS drivers specifically, women pay about $8 less than men per month for insurance.

Where You Live

You might think it's common sense that variables like how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live can be equally important? Since car insurance is regulated on a state-by-state basis, rates change quite a bit depending on where you live.

For example, the average Lincoln MKS owner in New York pays around $139 a month for liability coverage, while the same driver in California will pay less than half of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Lincoln MKS Car Insurance Discounts

No matter your age, your car, or your home state, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a new policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)

There are all sorts of other discounts out there for saving money on your car insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you don't have control over every factor insurance companies use to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely noticed ads from car insurance carriers promoting big savings for responsible drivers. And you're probably not surprised to hear that your insurance premiums will get higher if you get into a collision or get speeding tickets. But you still might be left wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost MKS drivers less than tickets, but both will result in above average rates. Lincoln MKS drivers with a single ticket will pay an average of $94 monthly, while drivers with one accident on their record pay about $85 each month (up $4 from the $81/mo. overall average). Those with multiple violations of either kind will end up paying even more.

How Much You Drive

How much you drive impacts your auto insurance prices. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally get less expensive premiums. Based on the table above, you can see that Lincoln MKS owners who drive 10,000 miles or more pay $89 for insurance, while those who drive fewer than 2,500 miles every year pay about $85 a month.

If you drive a limited amount, it may be worth getting pay-per-mile or usage-based auto insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Lincoln MKSs Compare to Other Vehicles?

If you're thinking about purchasing a Lincoln MKS, you might be wondering how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Lincoln MKS stacks up:

Overall, the Lincoln MKS has an average MSRP and is on par with the going rate for a new vehicle. The MKS goes for $39,010, close to the national average vehicle MSRP of $41,071. And since there hasn't been a new MKS model on the market in the last few years, used prices will be even lower.

Similarly, car insurance prices run right about average when compared to the rest of the vehicle market. Liability insurance for a Lincoln MKS is about $1 per month more than average, while full coverage is $6 less per month.

When it comes to usage, Lincoln MKS owners drive more miles annually than the national average, with 14,348 miles a year compared to 11,617 for all vehicles.

Lincoln MKS Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much the average driver pays to insure a Lincoln MKS. If you're considering purchasing a new MKS, knowing what you can expect to pay for the specific vehicle you're looking at can be helpful as you consider your choices.

Choose Your Model

2016 Lincoln MKS Car Insurance 2015 Lincoln MKS Car Insurance 2014 Lincoln MKS Car Insurance 2013 Lincoln MKS Car Insurance 2012 Lincoln MKS Car Insurance 2011 Lincoln MKS Car Insurance 2010 Lincoln MKS Car Insurance 2009 Lincoln MKS Car Insurance

2016 Lincoln MKS Car Insurance

The average cost to insure a 2016 Lincoln MKS with liability only coverage is $82 monthly, while full coverage runs around $163 a month.

With prices as little as $29 per month, Elephant offered the lowest policy we found.

What will your auto insurance price be? Just enter your ZIP code below to get a variety of customized quotes for free.

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2015 Lincoln MKS Car Insurance

On average, drivers who own a 2015 MKS can expect to pay $77 to $207 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2015 Lincoln MKS insurance policy, MetLife offered the cheapest policy we found, with rates as low as just $27 per month.

If you want to know exactly how much you can expect to pay for your MKS, get free quotes in minutes by just entering your ZIP code below.

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2014 Lincoln MKS Car Insurance

You can expect full coverage for a 2014 Lincoln MKS to run about $165 monthly, while liability only coverage will average around $67 a month.

Clearcover offered the most affordable policy we found, with rates as cheap as $32 monthly.

While these are good estimates of what the average driver might pay to insure a 2014 Lincoln MKS, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2013 Lincoln MKS Car Insurance

2013 MKS drivers can expect to pay an average of $83 a month for liability or $180 for full coverage.

Safeco has premiums as cheap as just $27 per month for the 2013 Lincoln MKS.

While these are good estimates of what the average driver might pay to insure a 2013 Lincoln MKS, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2012 Lincoln MKS Car Insurance

It costs about $69 monthly for liability or $151 for a full coverage policy for the 2012 Lincoln MKS.

With rates sometimes as low as $30 a month, Gainsco offered the lowest policy we found for the 2012 Lincoln MKS.

Want to know exactly what your insurance premium will be? Just enter your ZIP code below to get lots of free customized quotes.

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2011 Lincoln MKS Car Insurance

You can expect full coverage for a 2011 MKS to run around $170 per month, while liability only coverage will average about $81 monthly.

Looking for the most affordable policy? Elephant offered liability only coverage for sometimes as little as $17 per month.

If you want to find the best premiums for car insurance for a 2011 Lincoln MKS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 Lincoln MKS Car Insurance

2010 Lincoln MKS drivers can expect to pay an average of $77 a month for liability or $178 for full coverage.

We found MetroMile offered the cheapest policy, with rates as little as $21 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2009 Lincoln MKS Car Insurance

On average, drivers who own a 2009 MKS can expect to pay $85 to $159 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the cheapest possible 2009 Lincoln MKS insurance policy, StateAuto offered the lowest policy we found, with rates as low as just $16 a month.

Want to know exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing an array of personalized quotes from the nation's top insurance companies.

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Lincoln MKS Insurance FAQs

Is a Lincoln MKS expensive to insure?

It costs less to insure a Lincoln MKS when compared to the average vehicle. Liability insurance runs an average of $81 per month, while full coverage will cost you around $169.

How can I get the best price on car insurance for my Lincoln MKS?

The only way to be sure you're getting the cheapest price on insurance is to regularly shop around and compare quotes from numerous carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a wide array of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Lincoln MKS affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. There are a bunch of factors car insurance carriers examine when they calculate your rates, but the color of your car is not factored into that equation.

Do I need to have insurance before I buy a Lincoln MKS?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) MKS off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the easiest thing to do is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Lincoln MKS?

There are a variety of different discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Lincoln MKS you drive, but if your MKS has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance company and ask about their discounts.