2016 Lincoln MKS Car Insurance Calculator

Monitor in real-time how different driver and vehicle factors affect the cost of insurance for a 2016 Lincoln MKS. Experiment with rate factors like homeowner status, credit history, and policy coverages to see how insurance rates are affected. Know immediately if the changes you make raise or lower the cost of insurance.

The average estimated car insurance premium for a 2016 Lincoln MKS is $1,908 per year, or about $159 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

$1,908

Cost Per Month

$159

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 2016 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.

$1,908
Average Rate
Your Rate
$1,908

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 2016 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 2016 Lincoln MKS is $1,908.

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.

2016 Lincoln MKS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 Lincoln MKS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XTS$1,784-$124
2Cadillac CTS$1,808-$100
3Audi A5$1,876-$32
4Lincoln MKS$1,908--
5Cadillac CT6$1,924$16
6Kia K900$2,152$244
7Acura RLX$2,156$248
8Infiniti Q70L$2,162$254
9Mercedes-Benz CLS550$2,204$296
10Lexus GS 450$2,218$310
11Infiniti Q70$2,228$320
12Hyundai Equus$2,256$348
13Lexus LS 460$2,358$450
14Mercedes-Benz C63 AMG$2,434$526
15Cadillac CTS-V$2,440$532
16BMW 740i$2,482$574
17Jaguar XJ$2,498$590
18Mercedes-Benz E63 AMG$2,508$600
19BMW 650i$2,680$772
20Maserati Ghibli$2,684$776
2016 Large Luxury Car Average$2,713$805
21Jaguar XJ Super$2,752$844
22BMW 750i$2,772$864
23Audi RS 7$2,828$920
24Audi S8$2,856$948
25Lexus LS 600H$2,876$968
26Mercedes-Benz CLS63 AMG$2,878$970
27Mercedes-Benz S550$2,924$1,016
28Maserati Quattroporte$2,932$1,024
29Mercedes-Benz AMG$2,968$1,060
30Audi A8$3,014$1,106
31BMW Alpina B6$3,026$1,118
32Porsche Panamera$3,102$1,194
33Mercedes-Benz S63 AMG$3,330$1,422
34Mercedes-Benz S600$3,392$1,484
35Mercedes-Benz S65 AMG$3,910$2,002
36Mercedes-Benz S65$3,956$2,048
37Bentley Continental$4,024$2,116
38Bentley Mulsanne$4,798$2,890

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.

2016 MKS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Lincoln MKS Insurance Rates by Trim Level
2016 Lincoln MKS Trim Level Annual Premium Cost Per Month
Sedan$1,842$154
AWD Sedan$1,890$158
Ecoboost AWD Sedan$1,986$166

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 2016 Lincoln MKS for different driver ages.

2016 Lincoln MKS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,782$565
17$6,569$547
18$5,884$490
19$5,361$447
20$4,107$342
21$3,919$327
22$3,508$292
23$2,883$240
24$2,725$227
25$2,212$184
30$2,032$169
35$1,960$163
40$1,908$159
45$1,784$149
50$1,692$141
55$1,580$132
60$1,584$132
65$1,686$141
70$1,818$152
75$2,142$179
80$2,634$220

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.