Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year with full coverage. Comprehensive insurance costs approximately $224 a year, collision costs $418, and liability costs around $524. Buying just liability costs as low as $580 a year, with insurance for high-risk drivers costing $2,928 or more. Teen drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save $1,200 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Choosing low $100 deductibles for physical damage coverage will cost an extra $284 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,928 or more
• Policy cost for full coverage for a 16-year-old driver can cost $5,298 or more

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $430 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $471 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

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 Best Cheap Lincoln MKZ Insurance

Finding cheaper rates on insurance for a Lincoln MKZ requires having a decent driving record, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a quick review of the data that was covered above.

• You may be able to save around $160 per year simply by quoting early and online
• Insureds who purchase additional liability coverage will pay about $580 every year to increase from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, as much as $442 each month for full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,580 more per year than a driver with a clean driving record