Lincoln MKZ Insurance Rates

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

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save approximately $146 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,346
• Using low deductibles for comp and collision coverage will increase the cost to $1,630
• Unlucky drivers who are prone to accidents and violations could pay up to $2,928 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,298 each year

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared 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 $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $430 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Best Cheap Lincoln MKZ Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Spend time shopping around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the coverage data touched on above.

• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $425 each year
• Teen drivers are expensive to insure, as much as $442 each month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,580 more annually to insure their MKZ