Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage. Comprehensive costs an estimated $224, collision costs $418, and liability is estimated at $524. Buying just liability costs approximately $580 a year, with insurance for high-risk drivers costing around $2,928. Teens 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:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects insurance prices.

The examples above show why everyone should get quotes for a targeted area, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $146 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,346
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,630
• Unlucky drivers with serious driving violations could pay up to $2,928 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,298 each year

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on the model of your MKZ, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,300 extra every year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,920 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $471 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so the 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 Cheaper Lincoln MKZ Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a condensed summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,580 more annually than a safer driver
• Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Policyholders who want an increased level of liability coverage will pay approximately $580 each year to raise limits from a 30/60 limit to the 250/500 level