2013 Lincoln MKS Car Insurance Calculator

Understand how life choices affect the cost of insurance for a 2013 Lincoln MKS. Update factors like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2013 Lincoln MKS is $1,712 per year, or about $143 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,712

Cost Per Month

$143

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lincoln MKS Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Lincoln MKS.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,712
Average Rate
Your Rate
$1,712

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Lincoln MKS trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Lincoln MKS is $1,712.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Lincoln MKS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2013 Lincoln MKS against all other models in the large luxury car segment. The Lincoln MKS is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lincoln MKS, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln MKS.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Lincoln MKS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,592-$120
2Cadillac CTS$1,608-$104
3Cadillac XTS$1,632-$80
4Lincoln MKS$1,712--
5Cadillac CTS-V$1,838$126
6Lexus GS 450$1,912$200
7Infiniti M56$1,938$226
8Lexus LS 460$1,940$228
9Hyundai Equus$1,952$240
10Mercedes-Benz CLS550$1,992$280
11Mercedes-Benz E63 AMG$2,100$388
12BMW 750xi$2,126$414
13BMW 740i$2,134$422
14Jaguar XJ$2,160$448
15Mercedes-Benz C63 AMG$2,206$494
16BMW 650i$2,244$532
17Jaguar XJ Super$2,248$536
18Mercedes-Benz CLS63 AMG$2,322$610
2013 Large Luxury Car Average$2,329$617
19Lexus LS 600H$2,352$640
20Audi S8$2,378$666
21BMW 750i$2,386$674
22Mercedes-Benz S550$2,390$678
23Porsche Panamera$2,440$728
24Audi A8$2,442$730
25Mercedes-Benz CL550$2,468$756
26Maserati Quattroporte$2,474$762
27Mercedes-Benz S63 AMG$2,590$878
28BMW 760i$2,606$894
29Mercedes-Benz S600$2,806$1,094
30Mercedes-Benz CL600$2,820$1,108
31Mercedes-Benz S65 AMG$3,112$1,400
32Mercedes-Benz CL65 AMG$3,218$1,506
33Bentley Continental$3,244$1,532
34Bentley Mulsanne$3,806$2,094

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 MKS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Lincoln MKS.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Lincoln MKS Insurance Rates by Trim Level
2013 Lincoln MKS Trim Level Annual Premium Cost Per Month
AWD Sedan$1,684$140
Sedan$1,684$140
Ecoboost AWD Sedan$1,766$147

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Lincoln MKS for different driver ages.

2013 Lincoln MKS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,199$517
17$5,954$496
18$5,241$437
19$4,811$401
20$3,666$306
21$3,497$291
22$3,118$260
23$2,598$217
24$2,441$203
25$1,982$165
30$1,814$151
35$1,764$147
40$1,712$143
45$1,608$134
50$1,528$127
55$1,426$119
60$1,428$119
65$1,518$127
70$1,660$138
75$1,974$165
80$2,430$203

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lincoln MKS trim levels.