Lincoln MKZ Insurance Rates

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UPDATED: Apr 22, 2024

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Estimated insurance prices for a Lincoln MKZ are $1,346 every 12 months with full coverage. Comprehensive insurance costs around $224, collision insurance costs $418, and liability insurance is estimated at $524. A liability-only policy costs approximately $580 a year, and high-risk insurance costs $2,928 or more. 16-year-old drivers pay the most at up to $5,298 a year.

Average premium for full coverage: $1,346

Premium estimates for type of coverage:

Comprehensive $224
Collision $418
Liability $524

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all MKZ models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lincoln MKZ range from the cheapest price of $580 for liability-only coverage to the much higher price of $2,928 for a driver who requires high-risk insurance.

Liability Only $580
Full Coverage $1,346
High Risk $2,928

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates how location impacts auto insurance rates.

Rural Areas $1,010
Small Cities $1,413
Large Cities $1,817

These rate differences demonstrate why everyone should get quotes for a specific zip code and their own driving history, 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.

Additional Charts and Tables

The chart below details average Lincoln MKZ insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $788
  • Choosing higher $1,000 deductibles can save about $146 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,346
  • Buying pricier low deductibles for comp and collision coverage costs an extra $284 a year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,928
  • An auto insurance policy to insure a teen driver for full coverage can be $5,298 each year

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance prices range from $788 to $5,298 for full coverage

Auto insurance prices for a Lincoln MKZ also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $430 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $471 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,300 in extra premium annually, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lincoln MKZ insurance rates. A good driver about age 40 could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,820 on average in Florida, Michigan, and New York.

Lincoln MKZ Insurance Rates by State
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%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
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.

Lincoln MKZ Insurance Rates by Model Year
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 Shop for the Best Lincoln MKZ Insurance

Finding better rates on Lincoln MKZ insurance takes being a low-risk driver, having a good credit score, being claim-free, and possibly raising deductibles. Spend time shopping around at every other renewal by requesting quotes from direct companies, and also from several local insurance agents.

The items below are a brief recap of the concepts that were touched on above.

  • High-risk drivers who tend to receive serious violations pay on average $1,580 more every year to insure their MKZ
  • Teen drivers are expensive to insure, possibly costing $442 per month if comprehensive and collision insurance is included
  • You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $425 each year
  • You may be able to save up to $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Lincoln MKZ Insurance 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

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,498
$500 $1,346
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
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

Lincoln MKZ Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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