Lincoln MKZ Insurance Rates

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UPDATED: Apr 22, 2024

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U.S. average auto insurance rates for a Lincoln MKZ are $1,346 annually for full coverage insurance. Comprehensive costs an estimated $224 each year, collision insurance costs $418, and liability costs around $524. A policy with just liability insurance costs as low as $580 a year, and coverage for high-risk drivers costs around $2,928. Teenage drivers pay the highest rates at up to $5,298 a year.

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

Comprehensive $224
Collision $418
Liability $524

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

Price Range from Low to High

For the normal driver, Lincoln MKZ insurance prices range from as cheap as $580 for just the minimum liability insurance to a high rate of $2,928 for a high-risk insurance policy.

Liability Only $580
Full Coverage $1,346
High Risk $2,928

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $1,010
Small Cities $1,413
Large Cities $1,817

The ranges above illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The best discount rate is $788
  • Using higher $1,000 deductibles will save approximately $146 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,346
  • Using low deductibles for physical damage coverage will cost $1,630
  • Drivers who are prone to accidents and violations could pay up to $2,928
  • The price with full coverage for a teen driver can cost as much as $5,298 or more

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance rates range from $788 to $5,298 for full coverage

Insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $430 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,216 -$130 -9.7%
Alaska $1,032 -$314 -23.3%
Arizona $1,118 -$228 -16.9%
Arkansas $1,346 -$0 0.0%
California $1,534 $188 14.0%
Colorado $1,284 -$62 -4.6%
Connecticut $1,384 $38 2.8%
Delaware $1,524 $178 13.2%
Florida $1,684 $338 25.1%
Georgia $1,244 -$102 -7.6%
Hawaii $966 -$380 -28.2%
Idaho $914 -$432 -32.1%
Illinois $1,004 -$342 -25.4%
Indiana $1,018 -$328 -24.4%
Iowa $908 -$438 -32.5%
Kansas $1,278 -$68 -5.1%
Kentucky $1,836 $490 36.4%
Louisiana $1,992 $646 48.0%
Maine $832 -$514 -38.2%
Maryland $1,110 -$236 -17.5%
Massachusetts $1,076 -$270 -20.1%
Michigan $2,338 $992 73.7%
Minnesota $1,128 -$218 -16.2%
Mississippi $1,612 $266 19.8%
Missouri $1,194 -$152 -11.3%
Montana $1,448 $102 7.6%
Nebraska $1,062 -$284 -21.1%
Nevada $1,616 $270 20.1%
New Hampshire $972 -$374 -27.8%
New Jersey $1,504 $158 11.7%
New Mexico $1,190 -$156 -11.6%
New York $1,418 $72 5.3%
North Carolina $776 -$570 -42.3%
North Dakota $1,104 -$242 -18.0%
Ohio $928 -$418 -31.1%
Oklahoma $1,380 $34 2.5%
Oregon $1,232 -$114 -8.5%
Pennsylvania $1,282 -$64 -4.8%
Rhode Island $1,798 $452 33.6%
South Carolina $1,222 -$124 -9.2%
South Dakota $1,136 -$210 -15.6%
Tennessee $1,178 -$168 -12.5%
Texas $1,622 $276 20.5%
Utah $996 -$350 -26.0%
Vermont $922 -$424 -31.5%
Virginia $804 -$542 -40.3%
Washington $1,040 -$306 -22.7%
West Virginia $1,236 -$110 -8.2%
Wisconsin $934 -$412 -30.6%
Wyoming $1,200 -$146 -10.8%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKZ 4-Dr Sedan $1,320 $110
Lincoln MKZ AWD 4-Dr Sedan $1,346 $112

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.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKZ $270 $574 $510 $1,534
2019 Lincoln MKZ $260 $540 $514 $1,494
2018 Lincoln MKZ $248 $484 $520 $1,432
2017 Lincoln MKZ $232 $446 $520 $1,378
2016 Lincoln MKZ $224 $418 $524 $1,346
2015 Lincoln MKZ $220 $390 $534 $1,324
2014 Lincoln MKZ $202 $362 $534 $1,278
2013 Lincoln MKZ $198 $328 $540 $1,246
2012 Lincoln MKZ $184 $300 $534 $1,198
2011 Lincoln MKZ $174 $272 $534 $1,160
2010 Lincoln MKZ $168 $246 $530 $1,124
2009 Lincoln MKZ $166 $240 $520 $1,106
2008 Lincoln MKZ $162 $228 $510 $1,080
2007 Lincoln MKZ $148 $218 $504 $1,050

Rates are averaged for all Lincoln MKZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Lincoln MKZ Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick review of the car insurance concepts presented in the illustrations above.

  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,580 more annually for car insurance
  • It is possible to save approximately $160 per year just by quoting online in advance
  • Increasing physical damage deductibles could save up to $425 each year
  • Policyholders who want higher liability limits will pay an extra $580 annually to increase from a low limit to higher 250/500 limits

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,298
20 $3,124
30 $1,384
40 $1,346
50 $1,236
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,498
$500 $1,346
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,346
50/100 $1,451
100/300 $1,582
250/500 $1,922
100 CSL $1,503
300 CSL $1,791
500 CSL $2,001

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,518
20 $4,986
30 $2,968
40 $2,928
50 $2,798
60 $2,772

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $93
5-yr Claim Free $87
Paid in Full/EFT $56
Advance Quote $64
Online Quote $93
Total Discounts $558
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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