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2007 Lincoln MKZ Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 4, 2020

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Average insurance rates for a 2007 Lincoln MKZ are $1,198 a year for full coverage. Comprehensive costs an estimated $184, collision insurance costs $300, and liability costs around $534. Buying a liability-only policy costs as low as $588 a year, and high-risk insurance costs around $2,596. Teenage drivers receive the highest rates at up to $4,826 a year.

Annual premium for full coverage: $1,198

Rate estimates for 2007 Lincoln MKZ Insurance

Comprehensive $184
Collision $300
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2007 Lincoln MKZ models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $588 for only liability insurance to the much higher price of $2,596 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $1,198
High Risk $2,596

View Chart as Image

2007 Lincoln MKZ insurance rates compared
Column chart showing 2007 Lincoln MKZ insurance prices range from $716 to $4,826 for full coverage

These differences show why everyone should compare prices for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2007 Lincoln MKZ Insurance

Searching Companies

Trying to find lower insurance rates? Buyers have a choice when searching for affordable Lincoln MKZ insurance. They can either waste time calling around to compare prices or use the internet to get rate quotes.

There are more efficient ways to shop for insurance so we’re going to tell you the proper way to compare rates for a Lincoln and find the best price possible from both online companies and local agents.

If you have insurance now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. This information will help you learn the most effective way to quote insurance and some money-saving tips. Drivers just need to know how to compare company rates online.

Cut your premium with these six discounts

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked about before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Lincoln can qualify you for lower rates on the low mileage vehicles.
  • Air Bag Discount – Factory air bags can receive discounts of up to 25% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.

It’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. Any amount of discount will bring down your premiums.

To see a list of insurance companies with the best auto insurance discounts, click this link.

What is the best insurance coverage?

When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Is pleasure use cheaper than using my 2007 Lincoln MKZ to commute?
  • Does my insurance cover a custom paint job?
  • Am I covered if I hit a deer?
  • Is my state a no-fault state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need more liability coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my Lincoln MKZ covered if I use it for business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specifics of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance covers damage to your MKZ resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as emergency aid, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as hospital visits, chiropractic care, EMT expenses, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Lincoln MKZ.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Shop around and save

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed physical damage coverage only to regret that it was a big mistake. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Discount 2007 Lincoln MKZ insurance can be purchased on the web and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Drivers who switch companies do it for a variety of reasons including policy non-renewal, questionable increases in premium, delays in responding to claim requests or even delays in paying claims. No matter why you want to switch, finding a new insurance coverage company can be easy and end up saving you some money.

Even more information can be read by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2007 Lincoln MKZ Insurance Rates by City
City Premium
New York City, NY $1,893
Los Angeles, CA $2,049
Philadelphia, PA $1,599
Jacksonville, FL $1,740
Phoenix, AZ $1,394
Chicago, IL $1,606
Houston, TX $1,877
Seattle, WA $1,164
Columbus, OH $999
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2007 Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $4,826
20 $2,768
30 $1,222
40 $1,198
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

2007 Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,314
$500 $1,198
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,305
100/300 $1,438
250/500 $1,785
100 CSL $1,358
300 CSL $1,652
500 CSL $1,866

Full coverage, driver age 40

Rates for High Risk Drivers

2007 Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $6,818
20 $4,416
30 $2,622
40 $2,596
50 $2,486
60 $2,460

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $165

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $66
Homeowner $21
5-yr Accident Free $77
5-yr Claim Free $76
Paid in Full/EFT $46
Advance Quote $54
Online Quote $81
Total Discounts $482
Rate after discounts $716

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2007 Lincoln MKZ Insurance Rates by State
State Premium
Alabama $1,084
Alaska $920
Arizona $996
Arkansas $1,198
California $1,366
Colorado $1,144
Connecticut $1,234
Delaware $1,356
Florida $1,500
Georgia $1,108
Hawaii $860
Idaho $812
Illinois $892
Indiana $904
Iowa $810
Kansas $1,138
Kentucky $1,634
Louisiana $1,776
Maine $742
Maryland $990
Massachusetts $958
Michigan $2,080
Minnesota $1,004
Mississippi $1,436
Missouri $1,064
Montana $1,288
Nebraska $946
Nevada $1,438
New Hampshire $864
New Jersey $1,342
New Mexico $1,060
New York $1,262
North Carolina $692
North Dakota $982
Ohio $826
Oklahoma $1,228
Oregon $1,098
Pennsylvania $1,142
Rhode Island $1,600
South Carolina $1,086
South Dakota $1,014
Tennessee $1,048
Texas $1,444
Utah $886
Vermont $822
Virginia $716
Washington $924
West Virginia $1,098
Wisconsin $830
Wyoming $1,068

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