Lincoln MKZ Insurance Rates

The average insurance prices for a Lincoln MKZ are $1,346 every 12 months including full coverage. Comprehensive insurance costs an estimated $224 a year, collision costs $418, and liability insurance costs around $524. A liability-only policy costs as low as $580 a year, with high-risk insurance 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 broken down by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own driving history, rather than relying on rate 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 best full coverage rate is $788
• Using higher $1,000 deductibles will save approximately $1,200 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,346
• Buying low $100 deductibles for physical damage coverage costs an extra $284 a year
• Drivers with multiple tickets or accidents could pay up to $2,928 or more
• Policy cost to insure a teen driver can cost as much as $5,298 or more

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

Opting for high physical damage deductibles could cut rates by as much as $430 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

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

Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes 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 Shop for the Best Lincoln MKZ Insurance

Finding cheaper rates on Lincoln MKZ insurance requires avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a brief recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $160 per year simply by quoting early and online
• High-risk drivers who tend to receive serious violations may have to pay on average $1,580 more annually to insure a Lincoln MKZ
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $442 each month if the policy includes full coverage