Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,378 a year including full coverage. Comprehensive costs approximately $232 a year, collision costs $446, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing around $2,998. Teen drivers cost the most to insure at $5,396 a year or more.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $804
• Choosing higher $1,000 deductibles can save $1,224 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,378
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,678
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,998 or more
• Policy cost that insures a 16-year-old driver can cost $5,396 each year

View Chart as Image

Auto insurance rates for a Lincoln MKZ also range considerably based on the trim level of your MKZ, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 129% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $460 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

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 Cheapest Lincoln MKZ Insurance

Finding cheaper rates on insurance for a Lincoln MKZ takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a recap of the ideas that were illustrated above.

• Teenage drivers have the highest car insurance rates, with premiums being up to $450 each month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents will likely pay on average $1,620 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• You may be able to save around $160 per year simply by quoting early and online