Lincoln MKZ Insurance Rates

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UPDATED: Apr 22, 2024

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Average auto insurance rates for a Lincoln MKZ are $1,378 annually for full coverage. Comprehensive insurance costs an estimated $232 each year, collision insurance costs $446, and liability insurance is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs $2,998 or more. 16-year-old drivers receive the highest rates at up to $5,396 a year.

Average premium for full coverage: $1,378

Rate estimates broken down by individual coverage type:

Comprehensive $232
Collision $446
Liability $520

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and MKZ models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $576 for basic liability insurance to a high rate of $2,998 for coverage for higher-risk drivers.

Liability Only $576
Full Coverage $1,378
High Risk $2,998

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The graphic below illustrates how your location can change insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These examples show why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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 shows average Lincoln MKZ insurance rates for other coverage scenarios.

  • The best full coverage rate is $804
  • Choosing higher $1,000 deductibles can save approximately $154 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,378
  • Buying low deductibles for comp and collision coverage costs an additional $300 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,998
  • The cost with full coverage for a teen driver can cost as much as $5,396 each year

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance prices range from $804 to $5,396 for full coverage

Insurance rates for a Lincoln MKZ can also vary considerably based on the trim level of your MKZ, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $460 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lincoln MKZ insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$134 -9.7%
Alaska $1,056 -$322 -23.4%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,314 -$64 -4.6%
Connecticut $1,416 $38 2.8%
Delaware $1,560 $182 13.2%
Florida $1,722 $344 25.0%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $934 -$444 -32.2%
Illinois $1,026 -$352 -25.5%
Indiana $1,040 -$338 -24.5%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,390 $1,012 73.4%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,222 -$156 -11.3%
Montana $1,478 $100 7.3%
Nebraska $1,088 -$290 -21.0%
Nevada $1,652 $274 19.9%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,218 -$160 -11.6%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,128 -$250 -18.1%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,838 $460 33.4%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,658 $280 20.3%
Utah $1,018 -$360 -26.1%
Vermont $942 -$436 -31.6%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKZ 4-Dr Sedan $1,350 $113
Lincoln MKZ AWD 4-Dr Sedan $1,378 $115

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.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKZ $282 $618 $500 $1,580
2019 Lincoln MKZ $270 $574 $510 $1,534
2018 Lincoln MKZ $260 $540 $514 $1,494
2017 Lincoln MKZ $248 $484 $520 $1,432
2016 Lincoln MKZ $232 $446 $520 $1,378
2015 Lincoln MKZ $224 $418 $524 $1,346
2014 Lincoln MKZ $220 $390 $534 $1,324
2013 Lincoln MKZ $202 $362 $534 $1,278
2012 Lincoln MKZ $198 $328 $540 $1,246
2011 Lincoln MKZ $184 $300 $534 $1,198
2010 Lincoln MKZ $174 $272 $534 $1,160
2009 Lincoln MKZ $168 $246 $530 $1,124
2008 Lincoln MKZ $166 $240 $520 $1,106
2007 Lincoln MKZ $162 $228 $510 $1,080

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 Cheaper Lincoln MKZ Insurance

Saving money on Lincoln MKZ insurance takes being a good driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a condensed summary of the primary concepts that were illustrated above.

  • Drivers can save approximately $160 per year just by quoting online in advance
  • High-risk drivers with multiple at-fault accidents may pay on average $1,620 more annually than a safer driver
  • Increasing deductibles could save up to $450 each year
  • Drivers age 16 to 20 are charged the highest rates, costing as high as $450 per month including comprehensive and collision insurance

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,396
20 $3,202
30 $1,418
40 $1,378
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,538
$500 $1,378
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,108
30 $3,044
40 $2,998
50 $2,866
60 $2,840

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.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $58
Advance Quote $66
Online Quote $96
Total Discounts $574
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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