Estimates, not quotes

Lincoln MKS Insurance Cost in Mississippi

Insuring a Lincoln MKS in Mississippi costs about $1,245 a year ($104/month) for full coverage by our estimate — −6% versus the same car nationally — the 19th most expensive of 51 states for this model.

Lincoln MKS (photo from Wikimedia Commons)
Photo: MercurySable99, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Lincoln MKS insurance in Mississippi at a glance

Full coverage
$1,245
$1,020–$1,465
25/50/25 minimum
$505
$42/mo
Same car nationally
$1,325
full coverage
Avg. car in MS
$1,525
−18% for the MKS

The Lincoln MKS is 18% cheaper than the average vehicle to insure in Mississippi. Mississippi's own base rates are 6% lower than the national average, which carries through to every model.

Mississippi factors that affect MKS premiums

  • Uninsured drivers: 28.2% of Mississippi drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your MKS.
  • Theft: 138 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Mississippi's expected annual losses as relatively moderate for hail, relatively high for tornado, relatively moderate for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.81 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Mississippi →

Lincoln MKS insurance cost in Mississippi cities

CityFull coverageMinimumvs. state
Jackson$1,335$540+7%
Gulfport$1,365$550+10%
Southaven$1,380$565+11%
Hattiesburg$1,275$515+2%
Biloxi$1,340$545+8%
Olive Branch$1,350$550+8%
Tupelo$1,245$5100%
Meridian$1,265$515+2%
Laurel$1,265$515+2%

Lincoln MKS insurance in Mississippi by driver

Estimated annual Lincoln MKS premium in Mississippi
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,385 $2,010 $3,420 $285
Young adult (22) $805 $1,170 $1,990 $166
Adult in their 30s $505 $730 $1,245 $104
Adult in their 50s $465 $675 $1,145 $95
Senior (72) $565 $820 $1,395 $116
30s, one at-fault accident $730 $1,060 $1,805 $150
30s, DUI on record $935 $1,355 $2,300 $192

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $505 $42 $415–$595
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $730 $61 $600–$865
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,245 $104 $1,020–$1,465

Mississippi minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Mississippi

ModelFull coverage in MSvs. MKS
Jaguar XJ$1,770+42%
Infiniti G37$1,770+42%
Acura RL$1,770+42%
Lexus IS$1,850+49%

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Estimated annual premium
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Lincoln MKS insurance cost in every state · All Lincoln models

Frequently asked questions

How much is Lincoln MKS insurance in Mississippi?

About $1,245 a year ($104 a month) for full coverage and $505 for Mississippi's minimum liability, for a driver in their 30s with a clean record. That is 6% less than the national estimate for the same car.

Is the Lincoln MKS cheaper to insure than the average car in Mississippi?

The average vehicle in Mississippi is about $1,525 a year for full coverage in our model, so the Lincoln MKS is 18% cheaper than average.

Where in Mississippi is Lincoln MKS insurance cheapest?

Among the largest Mississippi cities, Tupelo has the lowest estimate (about $1,245) and Southaven the highest (about $1,380).

What insurance do I need for a Lincoln MKS in Mississippi?

Mississippi requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page