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...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Estimated insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive costs an estimated $224 each year, collision costs $418, and liability insurance costs $524. Liability-only coverage costs as little as $580 a year, with high-risk coverage costing around $2,928. 16-year-old drivers pay the most at $5,298 a year or more.
Average premium for full coverage: $1,346
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and MKZ models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lincoln MKZ go from the low end price of $580 for a discount liability-only rate to a high rate of $2,928 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
These rate differences illustrate why all drivers should compare rates for a targeted area, rather than relying on rate 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.
Rates by State, City, and Model
The chart below illustrates estimated Lincoln MKZ insurance rates for other coverage scenarios.
- The best full coverage rate is $788
- Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,346
- Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,630
- High risk drivers with multiple tickets or accidents could pay up to $2,928 or more
- An auto insurance policy that insures a teen driver can cost as much as $5,298 a year
Insurance prices for a Lincoln MKZ also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age
Where you choose to live makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $430 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $471 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find More Affordable Lincoln MKZ Insurance
Finding better rates on Lincoln MKZ insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every other renewal by requesting rates from direct insurance companies, and also from local insurance agencies.
The items below are a summary of the concepts that were covered in the charts and tables above.
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,580 more annually to insure their MKZ
- Teen drivers are charged the highest prices, with premiums being up to $442 per month if full coverage is included
- It is possible to save approximately $160 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $425 each year
- It is possible to save approximately $160 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,498 |
| $500 | $1,346 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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