Lincoln MKZ Insurance Rates

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

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and MKZ trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Details

The chart below details estimated Lincoln MKZ insurance rates for different risk profiles and scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save around $1,200 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,346
• Using low $100 deductibles for comp and collision coverage increases the price to $1,630
• Drivers who are prone to accidents and violations could pay upwards of $2,928 or more
• An auto insurance policy to insure a teenage driver may cost $5,298 each year

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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 of your MKZ.

Using high physical damage deductibles can save as much as $430 a year, while buying higher liability limits will cost you more. 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

Older drivers with a good driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $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 a minimum $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than a normal policy. 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 be forced to pay as much as $1,820 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

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 Shop for Cheap Lincoln MKZ Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least once a year by quoting rates from direct companies, and also from local exclusive and independent agents.

Below is a brief summary of the primary concepts that were covered above.

• You may be able to save as much as $160 per year simply by quoting early and online
• Drivers that tend to have accidents or serious violations may pay on average $1,580 more each year for auto insurance
• Increasing policy deductibles could save as much as $425 each year
• Teenage drivers are charged the highest prices, possibly costing $442 per month if comprehensive and collision insurance is included