Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive costs an estimated $224, collision costs $418, and liability costs $524. Liability-only insurance costs as little as $580 a year, with high-risk driver insurance costing around $2,928. Teen drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of using price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down estimated Lincoln MKZ insurance rates for other coverage scenarios.

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $146 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,346
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,630
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,928 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $5,298 a year

View Chart as Image

Auto insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $430 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $471 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Lincoln MKZ Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a recap of the material that was touched on above.

• Policyholders who want an increased level of liability coverage will pay about $580 per year to go from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $442 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents could be charged and average of $1,580 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $425 each year