Lincoln MKZ Insurance Rates

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

Average premium for full coverage: $1,346

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.

• The best discount rate is $788
• Using higher $1,000 deductibles will save about $146 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,346
• Using low deductibles for physical damage coverage will cost $1,630
• Drivers who are prone to accidents and violations could pay at least $2,928 or more
• Policy cost with full coverage for a teen driver can be $5,298 or more

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $430 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 the Right Lincoln MKZ Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Spend time shopping around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

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

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,580 more every year for car insurance
• Teenagers are expensive to insure, possibly costing $442 each month if full coverage is included
• It is possible to save up to $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $425 each year
• It is possible to save up to $160 per year simply by quoting online in advance