Lincoln MKZ Insurance Rates

U.S. average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive insurance costs an estimated $224 a year, collision insurance costs $418, and liability is estimated at $524. Buying just liability costs approximately $580 a year, and insurance for high-risk drivers costs $2,928 or more. Teenage drivers pay the highest rates at up to $5,298 a year.

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The ranges above highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save approximately $1,200 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,346
• Using low $100 deductibles for comp and collision coverage costs an additional $284 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,928
• The price with full coverage for a 16-year-old driver can cost as much as $5,298 each year

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Insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

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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 Buy Low Cost Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ takes being a safe and courteous driver, having good credit, being claim-free, and possibly raising deductibles. Spend time shopping around once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a review of the data that was touched on above.

• You may be able to save approximately $160 per year just by quoting early and online
• Insureds who want higher levels of liability will pay an extra $580 per year to raise limits from a low limit to higher 250/500 limits
• Teenage drivers are expensive to insure, possibly costing $442 a month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,580 more annually for auto insurance