Lincoln MKZ Insurance Rates

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UPDATED: Apr 22, 2024

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The average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive costs approximately $224 each year, collision insurance costs $418, and liability coverage is estimated at $524. Liability-only coverage costs approximately $580 a year, and high-risk coverage costs around $2,928. Teen drivers cost the most to insure at up to $5,298 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Comprehensive $224
Collision $418
Liability $524

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

Price Range Variability

For an average driver, Lincoln MKZ insurance rates range from as cheap as $580 for just liability insurance to a high rate of $2,928 for a driver who requires high-risk insurance.

Liability Only $580
Full Coverage $1,346
High Risk $2,928

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,010
Small Cities $1,413
Large Cities $1,817

The examples above highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than using price 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.

More Rate Details

The chart below breaks down average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $788
  • Choosing higher $1,000 deductibles can save $146 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,346
  • Choosing low deductibles for comp and collision coverage will cost $1,630
  • Drivers with multiple violations and an at-fault accident could pay around $2,928
  • Policy cost with full coverage for a teenage driver can cost $5,298 each year

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance rates range from $788 to $5,298 for full coverage

Insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $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 likely paying anywhere from $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $430 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lincoln MKZ insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,920 on average in Louisiana, New York, and Michigan.

Lincoln MKZ Insurance Rates by State
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%

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 $1,320 $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.

Lincoln MKZ Insurance Rates by Model Year
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 Right Lincoln MKZ Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a quick rundown of the concepts that were covered in the above illustrations.

  • Drivers with reckless driving or DUI convictions may have to pay on average $1,580 more per year to insure their MKZ
  • Teen drivers are the costliest to insure, with premiums being up to $442 each month if they have full coverage
  • You may be able to save around $160 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $425 each year
  • You may be able to save around $160 per year just by quoting online in advance

Rates by Driver Age

Lincoln MKZ Insurance 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

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,498
$500 $1,346
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
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

Lincoln MKZ Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $788

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

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