Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive insurance costs approximately $224 a year, collision costs $418, and liability insurance costs $524. Liability-only coverage costs as little as $580 a year, with high-risk coverage costing $2,928 or more. 16-year-old drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location, rather than relying on rate averages.

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

More Rate Details

The chart below illustrates estimated Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $788
• Drivers who choose higher $1,000 deductibles will pay $1,200 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,346
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $284 a year
• High risk drivers with multiple tickets or accidents could pay around $2,928 or more
• Policy cost that insures a teen driver can cost $5,298 a year

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on the trim level of your MKZ, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could 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 should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $430 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and 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 Right Lincoln MKZ Insurance

Finding cheaper rates on Lincoln MKZ insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a quick rundown of the data that was presented in the illustrations above.

• It is possible to save around $160 per year simply by quoting early and online
• Drivers who purchase higher liability limits will pay around $580 annually to go from a 30/60 limit to the 250/500 level
• Teenagers are the costliest to insure, possibly costing $442 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,580 more per year for car insurance