Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,378 a year for full coverage insurance. Comprehensive costs around $232, collision costs $446, and liability coverage costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing around $2,998. Teens cost the most to insure at $5,396 a year or more.

Average premium for full coverage: $1,378

Policy rates for type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $804
• Using higher $1,000 deductibles will save about $154 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,378
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,678
• Higher-risk drivers with serious driving violations could pay at least $2,998 or more
• Policy cost for full coverage for a teenage driver for full coverage can be $5,396 or more

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,300 in extra premium every year, depending on your age. Lincoln MKZ insurance for high-risk drivers can be around 43% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

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 Find Low Cost Lincoln MKZ Insurance

Finding cheaper rates on auto insurance requires being a good driver, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the data covered above.

• Consumers who may need an increased level of liability coverage will pay approximately $570 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $450 each month if they have full coverage