Lincoln MKZ Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Lincoln MKZ are $1,346 every 12 months for full coverage insurance. Comprehensive costs around $224 a year, collision costs $418, and liability is estimated at $524. A policy with just liability insurance costs approximately $580 a year, with coverage for high-risk drivers costing around $2,928. 16-year-old drivers pay the highest rates at $5,298 a year or more.
Average premium for full coverage: $1,346
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and MKZ trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Lincoln MKZ insurance prices go from the cheapest price of $580 for your basic liability-only policy to a high of $2,928 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.
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.
More Rate Information
The chart below illustrates estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $788
- Choosing higher $1,000 deductibles can save about $1,200 each year
- The average price for the average middle-age driver using $500 deductibles is $1,346
- Buying low $100 deductibles for comp and collision coverage increases the price to $1,630
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,928 or more
- The price to insure a 16-year-old driver can be $5,298 each year
Insurance prices for a Lincoln MKZ are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $430 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,820 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different.
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 Shop for Affordable Lincoln MKZ Insurance
Getting lower rates on insurance for a Lincoln MKZ takes being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the primary concepts that were raised in the charts and tables above.
- It is possible to save up to $160 per year simply by quoting early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,580 more every year to insure their MKZ
- Increasing physical damage deductibles could save as much as $425 each year
- Teen drivers pay higher prices, as much as $442 a month if they have full coverage
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
