Lincoln MKZ Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 22, 2024
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The average auto insurance rates for a Lincoln MKZ are $1,378 annually with full coverage. Comprehensive insurance costs around $232, collision costs $446, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,998 or more. Teen drivers 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:
These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all MKZ models.
Price Range Variability
Using a 40-year-old driver as an example, Lincoln MKZ insurance rates go from as cheap as $576 for just liability insurance to the much higher price of $2,998 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of 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 details estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $804
- Using higher $1,000 deductibles will save about $154 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,378
- Choosing pricier low deductibles for physical damage coverage costs an additional $300 every year
- Drivers with multiple violations and an at-fault accident could pay at least $2,998 or more
- Policy cost with full coverage for a teen driver for full coverage can be $5,396 or more
Car insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,300 extra every year, depending on your age. Lincoln MKZ insurance for high-risk drivers can be as much as 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $460 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. 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 $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,860 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Lincoln MKZ Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a brief summary of the coverage data raised in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Teen drivers are the costliest to insure, as much as $450 each month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,620 more every year to insure their MKZ
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,538 |
| $500 | $1,378 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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