Lincoln MKZ Insurance Rates

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

Average premium for full coverage: $1,346

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist 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 can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down average Lincoln MKZ insurance rates for different risk profiles and scenarios.

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay around $1,200 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,346
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $284 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,928
• The price with full coverage for a teen driver may cost $5,298 a year

View Chart as Image

Auto insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age

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

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

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

View Chart as Image

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 Buy Cheap Lincoln MKZ Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the concepts that were covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,580 more each year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, possibly costing $442 a month if full coverage is included
• You may be able to save as much as $160 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $425 each year
• You may be able to save as much as $160 per year just by quoting early and online