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 a year, collision costs $418, and liability coverage costs $524. Buying just liability costs as little as $580 a year, with insurance for high-risk drivers costing $2,928 or more. Teen drivers pay the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have fewer accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why it is important to compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $1,200 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,346
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $284 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,928 or more
• The price with full coverage for a teenage driver can cost $5,298 a year

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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.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared 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 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $430 a year, while buying higher 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 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,920 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Every company uses a different rate calculation, and 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 the Best Lincoln MKZ Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the information raised in the charts and tables above.

• Drivers can save around $160 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $442 a month if they have full coverage
• Increasing physical damage deductibles could save up to $425 each year
• Drivers who tend to receive serious violations pay on average $1,580 more per year than a safer driver
• Consumers who purchase an increased level of liability coverage will pay about $580 each year to go from a low limit to higher 250/500 limits