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2011 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 2011 Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive insurance costs approximately $224 each year, collision insurance costs $418, and liability coverage costs around $524. Buying a liability-only policy costs as low as $580 a year, and high-risk insurance costs $2,928 or more. Teenage drivers receive the highest rates at up to $5,298 a year.

Annual premium for full coverage: $1,346

Rate estimates for 2011 Lincoln MKZ Insurance

Comprehensive $224
Collision $418
Liability $524

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $580 for only liability insurance to a high rate of $2,928 for a driver who has had serious violations or accidents.

Liability Only $580
Full Coverage $1,346
High Risk $2,928

View Chart as Image

2011 Lincoln MKZ insurance rates compared
Column chart showing 2011 Lincoln MKZ insurance prices range from $788 to $5,298 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, rather than 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 2011 Lincoln MKZ Insurance

Searching Companies

Looking for better insurance rates for your Lincoln MKZ? Scraping up a payment for overpriced Lincoln MKZ insurance can overdraw your bank account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to tighten up your finances.

Having so many companies to choose from, it can be diffult for consumers to locate the most cost effective company.

You should make it a habit to check insurance prices quite often since insurance rates are rarely the same from one policy term to another. If you had the lowest price on MKZ insurance a few years ago you can probably find a better price now. You can find a lot of misleading information regarding insurance online, so by reading this article, you’re going to learn some good information on how to slash your insurance rates.

Car Insurance Quote Comparison

The are a couple different ways to compare rate quotes from car insurance companies in your area. The simplest method to find the lowest 2011 Lincoln MKZ rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to get quotes would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing a different quote for each company. In just a few minutes this one form will get you rate comparisons from all major companies.
  2. Another way to analyze rates is to take the time to go to the website of each company and request a quote. For instance, we’ll pretend you want to compare rates from Nationwide, Progressive and Farmers. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method to get comparison rates is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional advice that only a license agent can provide. Drivers can find lower rates online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you are comparing identical coverage limits and deductibles for every quote you compare. If you compare different limits and deductibles on each one you will not be able to make a fair comparison for your Lincoln MKZ. Just a small difference in limits can make a big difference in price. And when quoting car insurance, remember that comparing more company’s prices will increase your chances of finding the best price.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some must be specially asked for in order for you to get them.

  • Air Bag Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Homeowners Savings – Being a homeowner can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on MKZ insurance than drivers with accident claims.
  • Memberships – Participating in certain professional organizations could qualify you for a break when buying car insurance on MKZ insurance.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • No Accidents – Claim-free drivers can earn big discounts when compared with frequent claim filers.

A little note about advertised discounts, some credits don’t apply the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will cut your overall premium however.

To see a list of providers who offer car insurance discounts, follow this link.

Free Auto Insurance Comparison

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Everyone needs different coverages

When buying the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover if your insurance needs might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • How many claims can I have before being canceled?
  • What should my uninsured motorist coverage limits be in my state?
  • How can I force my company to pay a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • When would I need additional glass coverage?
  • Is my cargo covered for damage or theft?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage myths debunked

Insurance coverage companies such as Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all seem to say the same thing that you’ll save big if you switch to them. How can each company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has excellent credit. A driver that hits that “sweet spot” will get very good rates and most likely will save a lot of money.

Drivers who do not match these standards will be charged more money which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can confidently advertise the savings.

That is why drivers should get as many comparisons as possible. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Lincoln MKZ insurance.

Car insurance policy specifics

Understanding the coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Collision – This will pay to fix damage to your MKZ caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, hitting a parking meter, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as hospital visits, pain medications and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, a broken windshield and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2011 Lincoln MKZ.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability – Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as loss of income, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Never pay more for less

Discount 2011 Lincoln MKZ insurance can be bought both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Additional auto insurance information is available at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Lincoln MKZ Insurance Rates by City
City Premium
New York City, NY $2,127
Los Angeles, CA $2,301
Philadelphia, PA $1,795
Jacksonville, FL $1,953
Phoenix, AZ $1,565
Chicago, IL $1,807
Houston, TX $2,109
Seattle, WA $1,310
Columbus, OH $1,123
Indianapolis, IN $1,150

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,298
20 $3,124
30 $1,384
40 $1,346
50 $1,236
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

2011 Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,498
$500 $1,346
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,346
50/100 $1,451
100/300 $1,582
250/500 $1,922
100 CSL $1,503
300 CSL $1,791
500 CSL $2,001

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,518
20 $4,986
30 $2,968
40 $2,928
50 $2,798
60 $2,772

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $93
5-yr Claim Free $87
Paid in Full/EFT $56
Advance Quote $64
Online Quote $93
Total Discounts $558
Rate after discounts $788

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

Find companies with the cheapest rates in your area

2011 Lincoln MKZ Insurance Rates by State
State Premium
Alabama $1,216
Alaska $1,032
Arizona $1,118
Arkansas $1,346
California $1,534
Colorado $1,284
Connecticut $1,384
Delaware $1,524
Florida $1,684
Georgia $1,244
Hawaii $966
Idaho $914
Illinois $1,004
Indiana $1,018
Iowa $908
Kansas $1,278
Kentucky $1,836
Louisiana $1,992
Maine $832
Maryland $1,110
Massachusetts $1,076
Michigan $2,338
Minnesota $1,128
Mississippi $1,612
Missouri $1,194
Montana $1,448
Nebraska $1,062
Nevada $1,616
New Hampshire $972
New Jersey $1,504
New Mexico $1,190
New York $1,418
North Carolina $776
North Dakota $1,104
Ohio $928
Oklahoma $1,380
Oregon $1,232
Pennsylvania $1,282
Rhode Island $1,798
South Carolina $1,222
South Dakota $1,136
Tennessee $1,178
Texas $1,622
Utah $996
Vermont $922
Virginia $804
Washington $1,040
West Virginia $1,236
Wisconsin $934
Wyoming $1,200

Free Auto Insurance Comparison

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

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