Lincoln MKZ Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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U.S. average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive costs approximately $224, collision costs $418, and liability is $524. Liability-only insurance costs around $580 a year, with high-risk driver insurance costing around $2,928. Teens pay the highest rates at $5,298 a year or more.
Average premium for full coverage: $1,346
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all MKZ models.
Price Range from Low to High
For a driver around age 40, Lincoln MKZ insurance prices go from as cheap as $580 for basic liability insurance to the much higher price of $2,928 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Lincoln MKZ insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $788
- Raising to $1,000 deductibles will save $146 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,346
- Selecting pricier low deductibles will cost $1,630
- Drivers with serious driving violations could pay around $2,928 or more
- The price with full coverage for a 16-year-old driver for full coverage can cost $5,298
Car insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark 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 anywhere from $1,600 to $2,300 extra each year, depending on your age. Lincoln MKZ insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Lincoln MKZ insurance prices. A middle-age driver might find prices as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$130 | -9.7% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,284 | -$62 | -4.6% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,524 | $178 | 13.2% |
| Florida | $1,684 | $338 | 25.1% |
| Georgia | $1,244 | -$102 | -7.6% |
| Hawaii | $966 | -$380 | -28.2% |
| Idaho | $914 | -$432 | -32.1% |
| Illinois | $1,004 | -$342 | -25.4% |
| Indiana | $1,018 | -$328 | -24.4% |
| Iowa | $908 | -$438 | -32.5% |
| Kansas | $1,278 | -$68 | -5.1% |
| Kentucky | $1,836 | $490 | 36.4% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,076 | -$270 | -20.1% |
| Michigan | $2,338 | $992 | 73.7% |
| Minnesota | $1,128 | -$218 | -16.2% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,194 | -$152 | -11.3% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,062 | -$284 | -21.1% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $972 | -$374 | -27.8% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,190 | -$156 | -11.6% |
| New York | $1,418 | $72 | 5.3% |
| North Carolina | $776 | -$570 | -42.3% |
| North Dakota | $1,104 | -$242 | -18.0% |
| Ohio | $928 | -$418 | -31.1% |
| Oklahoma | $1,380 | $34 | 2.5% |
| Oregon | $1,232 | -$114 | -8.5% |
| Pennsylvania | $1,282 | -$64 | -4.8% |
| Rhode Island | $1,798 | $452 | 33.6% |
| South Carolina | $1,222 | -$124 | -9.2% |
| South Dakota | $1,136 | -$210 | -15.6% |
| Tennessee | $1,178 | -$168 | -12.5% |
| Texas | $1,622 | $276 | 20.5% |
| Utah | $996 | -$350 | -26.0% |
| Vermont | $922 | -$424 | -31.5% |
| Virginia | $804 | -$542 | -40.3% |
| Washington | $1,040 | -$306 | -22.7% |
| West Virginia | $1,236 | -$110 | -8.2% |
| Wisconsin | $934 | -$412 | -30.6% |
| Wyoming | $1,200 | -$146 | -10.8% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKZ 4-Dr Sedan | $1,320 | $110 |
| Lincoln MKZ AWD 4-Dr Sedan | $1,346 | $112 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKZ | $270 | $574 | $510 | $1,534 |
| 2019 Lincoln MKZ | $260 | $540 | $514 | $1,494 |
| 2018 Lincoln MKZ | $248 | $484 | $520 | $1,432 |
| 2017 Lincoln MKZ | $232 | $446 | $520 | $1,378 |
| 2016 Lincoln MKZ | $224 | $418 | $524 | $1,346 |
| 2015 Lincoln MKZ | $220 | $390 | $534 | $1,324 |
| 2014 Lincoln MKZ | $202 | $362 | $534 | $1,278 |
| 2013 Lincoln MKZ | $198 | $328 | $540 | $1,246 |
| 2012 Lincoln MKZ | $184 | $300 | $534 | $1,198 |
| 2011 Lincoln MKZ | $174 | $272 | $534 | $1,160 |
| 2010 Lincoln MKZ | $168 | $246 | $530 | $1,124 |
| 2009 Lincoln MKZ | $166 | $240 | $520 | $1,106 |
| 2008 Lincoln MKZ | $162 | $228 | $510 | $1,080 |
| 2007 Lincoln MKZ | $148 | $218 | $504 | $1,050 |
Rates are averaged for all Lincoln MKZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Lincoln MKZ Insurance
Getting lower rates on insurance for a Lincoln MKZ consists of avoiding accidents and violations, having a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The list below is a recap of the material that was covered above.
- Insureds who purchase higher liability limits will pay approximately $580 per year to raise from a low limit to higher 250/500 limits
- Teenagers pay the highest auto insurance prices, possibly costing $442 a month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,580 more per year for car insurance
- Increasing physical damage deductibles could save up to $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,298 |
| 20 | $3,124 |
| 30 | $1,384 |
| 40 | $1,346 |
| 50 | $1,236 |
| 60 | $1,210 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,498 |
| $500 | $1,346 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,451 |
| 100/300 | $1,582 |
| 250/500 | $1,922 |
| 100 CSL | $1,503 |
| 300 CSL | $1,791 |
| 500 CSL | $2,001 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,518 |
| 20 | $4,986 |
| 30 | $2,968 |
| 40 | $2,928 |
| 50 | $2,798 |
| 60 | $2,772 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $56 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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