Lincoln MKZ Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive insurance costs approximately $224 each year, collision insurance costs $418, and liability coverage is $524. Buying just liability costs around $580 a year, and insurance for high-risk drivers costs $2,928 or more. Teens receive the highest rates at up to $5,298 a year.
Average premium for full coverage: $1,346
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and MKZ models.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $580 for liability-only coverage to a high rate of $2,928 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.
These examples illustrate why all drivers should compare rates quotes using their specific location, rather than using averaged prices.
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 Charts and Tables
The chart below illustrates average Lincoln MKZ insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $788
- Raising to $1,000 deductibles will save $146 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,346
- Selecting low deductibles will cost an additional $284 each year
- Unlucky drivers with serious driving violations could pay around $2,928
- The cost that insures a teenage driver can cost $5,298
Auto 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 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age
Where you live also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 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 $471 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Best Lincoln MKZ Insurance
Saving money on auto insurance consists of being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a brief recap of the ideas that were touched on above.
- Youthful drivers have the highest car insurance rates, costing up to $442 per month if the policy includes full coverage
- Drivers who tend to receive serious violations could be charged and average of $1,580 more per year than a low-risk driver
- Increasing deductibles can save approximately $425 each year
- It is possible to save around $160 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,498 |
| $500 | $1,346 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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