Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive insurance costs approximately $224, collision costs $418, and liability insurance costs around $524. Liability-only insurance costs as low as $580 a year, with high-risk driver insurance costing $2,928 or more. Teens cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save $146 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $284 a year
• Drivers with serious driving violations could pay around $2,928 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $5,298 or more

View Chart as Image

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

An older driver with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $471 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and quoted 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 Cheapest Lincoln MKZ Insurance

Finding cheaper rates on Lincoln MKZ insurance requires having a decent driving record, having good credit, being claim-free, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a recap of the data covered in the above illustrations.

• Drivers who purchase additional liability coverage will pay approximately $580 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save around $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $442 each month if they have full coverage