Lincoln MKZ Insurance Rates

Estimated insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive insurance costs an estimated $224, collision insurance costs $418, and liability coverage costs around $524. Liability-only insurance costs as low as $580 a year, and high-risk driver insurance costs $2,928 or more. Teen drivers pay the most at up to $5,298 a year.

Average premium for full coverage: $1,346

Premium estimates broken down by type of coverage:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different MKZ trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using price averages.

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

Detailed Rate Analysis

The chart below breaks down average Lincoln MKZ insurance rates for other coverage scenarios.

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save approximately $146 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,346
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $284 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,928
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $5,298 or more

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

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can be around 43% to 132% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $430 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $471 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 the Right Lincoln MKZ Insurance

Finding better rates on auto insurance requires being a low-risk driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Shop around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the information covered above.

• You may be able to save approximately $160 per year just by shopping early and online
• Teen drivers are expensive to insure, with the cost nearing $442 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $425 each year
• Drivers with reckless driving or DUI convictions could be charged and average of $1,580 more annually to insure their MKZ
• Consumers who want more liability coverage will pay about $580 per year to increase from 30/60 bodily injury limits to the 250/500 level