Lincoln MKZ Insurance Rates

Average insurance rates for a Lincoln MKZ are $1,378 a year for full coverage insurance. Comprehensive insurance costs approximately $232 each year, collision insurance costs $446, and liability coverage costs around $520. A policy with just liability insurance costs as low as $576 a year, and coverage for high-risk drivers costs $2,998 or more. Teenage drivers receive the highest rates at up to $5,396 a year.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and MKZ models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best discount rate is $804
• Using higher $1,000 deductibles will save $154 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,378
• Using low deductibles for physical damage coverage will cost an additional $300 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,998
• The cost that insures a teenage driver can cost $5,396 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $460 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

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 Find Affordable Lincoln MKZ Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a brief review of the information touched on in the above illustrations.

• It is possible to save around $160 per year just by quoting online in advance
• 16 to 18-year-old drivers are the costliest to insure, costing up to $450 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $450 each year
• Drivers with DUI or reckless driving convictions could be charged and average of $1,620 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay an extra $570 annually to increase from a minimum limit to the 250/500 level