Lincoln MKZ Insurance Rates

Average insurance prices for a Lincoln MKZ are $1,378 every 12 months including full coverage. Comprehensive insurance costs an estimated $232, collision costs $446, and liability coverage is $520. Buying just liability costs around $576 a year, with insurance for high-risk drivers costing $2,998 or more. Teenage drivers receive the highest rates at $5,396 a year or more.

Average premium for full coverage: $1,378

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all MKZ models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

These examples highlight why everyone should compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $804
• Raising to $1,000 deductibles will save approximately $154 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,378
• Using pricier low deductibles costs an extra $300 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,998 or more
• The cost to insure a teenage driver for full coverage can cost as much as $5,396

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Auto insurance rates for a Lincoln MKZ can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $460 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,300 in extra premium per year, depending on your age. Lincoln MKZ insurance for high-risk drivers is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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 Shop for the Best Lincoln MKZ Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at least once a year 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 brief recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Drivers who tend to receive serious violations may have to pay on average $1,620 more annually for car insurance
• Increasing deductibles could save as much as $450 each year
• Teenagers are the costliest to insure, as much as $450 per month if comprehensive and collision insurance is included