Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive insurance costs approximately $224 a year, collision costs $418, and liability coverage costs $524. Liability-only coverage costs as little as $580 a year, with high-risk coverage costing $2,928 or more. Teenage drivers pay the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay $1,200 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,346
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $284 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,928 or more
• The price for full coverage for a teenage driver can cost $5,298 a year

View Chart as Image

Auto insurance prices for a Lincoln MKZ are also quite variable based on your driving record, the model of your MKZ, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $430 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different 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 Right Lincoln MKZ Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having good credit, being claim-free, and not having any coverage lapses. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a quick rundown of the primary concepts that were touched on above.

• You may be able to save around $160 per year simply by quoting early and online
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,580 more per year to buy Lincoln MKZ insurance
• Increasing physical damage deductibles can save around $425 each year
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $442 a month if they have full coverage