Lincoln MKZ Insurance Rates

U.S. average auto insurance rates for a Lincoln MKZ are $1,378 annually for full coverage insurance. Comprehensive insurance costs approximately $232 a year, collision costs $446, and liability coverage costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing $2,998 or more. Teens pay the highest rates at $5,396 a year or more.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

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 and risk scenarios.

• The cheapest rate after discounts is $804
• Using higher $1,000 deductibles will save $1,224 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,378
• Selecting low $100 deductibles for physical damage coverage costs an additional $300 each year
• Higher-risk drivers with serious driving violations could pay around $2,998 or more
• The price with full coverage for a teenage driver can cost $5,396 or more

View Chart as Image

Insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each insurance company calculates prices differently, and prices may be quite different 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 More Affordable Lincoln MKZ Insurance

Getting lower rates on auto insurance requires having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a summary of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger are the costliest to insure, as much as $450 a month if they have full coverage
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,620 more per year to buy Lincoln MKZ insurance
• Increasing physical damage deductibles could save up to $450 each year
• It is possible to save around $160 per year simply by quoting early and online