Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,346 annually with full coverage. Comprehensive costs an estimated $224, collision costs $418, and liability coverage is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage costing around $2,928. Teens cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

The chart below details estimated Lincoln MKZ insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $146 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,346
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,630
• Drivers with serious driving violations could pay up to $2,928 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,298 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state 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 Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and rates will be varied 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 Cheaper Lincoln MKZ Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Drivers with multiple at-fault accidents pay on average $1,580 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $425 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $442 each month if they have full coverage