Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,378 a year for full coverage. Comprehensive costs approximately $232 a year, collision insurance costs $446, and liability coverage is $520. Buying just liability costs around $576 a year, and insurance for high-risk drivers costs around $2,998. 16-year-old drivers cost the most to insure at up to $5,396 a year.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

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

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

Additional Rate Analysis

The chart below shows average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $804
• Raising to $1,000 deductibles will save $1,224 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,378
• Buying low $100 deductibles bumps up the cost to $1,678
• Unlucky drivers with multiple tickets or accidents could pay around $2,998
• Policy cost that insures a teenage driver can cost $5,396

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $460 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

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 Low Cost Lincoln MKZ Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every other policy renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

The following list is a review of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, costing up to $450 each month if full coverage is included
• Drivers who have several accidents or serious violations could be forced to pay on average $1,620 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers can save around $160 per year just by quoting early and online