Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive 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 around $2,928. Teen drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should get quotes using their specific location, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below breaks down estimated 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 price for a good driver age 40 who chooses $500 deductibles is $1,346
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,630
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,928 or more
• Policy cost that insures a 16-year-old driver can cost $5,298 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKZ insurance prices. 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.

View Chart as Image

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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied.

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 Affordable Lincoln MKZ Insurance

Finding cheaper rates on insurance for a Lincoln MKZ takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a brief review of the car insurance concepts touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions will likely pay on average $1,580 more per year for car insurance
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Insureds who purchase higher liability limits will pay about $580 per year to raise limits from a 30/60 limit to the 250/500 level