Lincoln MKZ Insurance Rates

U.S. average auto insurance rates for a Lincoln MKZ are $1,346 annually for full coverage. Comprehensive insurance costs approximately $224 each year, collision costs $418, and liability is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage costing $2,928 or more. Teenage drivers pay the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and MKZ models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below shows estimated Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save $146 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,346
• Using low deductibles for comp and collision coverage costs an additional $284 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,928 or more
• The price with full coverage for a 16-year-old driver can cost $5,298 each year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,920 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted 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 Affordable Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief review of the coverage data touched on in the above illustrations.

• Drivers can save around $160 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $425 each year
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $442 a month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,580 more per year than a driver with a clean driving record