Lincoln MKZ Insurance Rates

Average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive costs an estimated $224, collision costs $418, and liability insurance costs around $524. A policy with just liability insurance costs as low as $580 a year, with coverage for high-risk drivers costing around $2,928. Teens receive the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different MKZ trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Lincoln MKZ insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save approximately $146 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,346
• Selecting more expensive low deductibles for physical damage coverage will cost $1,630
• Drivers with serious driving violations could pay up to $2,928 or more
• The cost with full coverage for a teen driver with full coverage can cost as much as $5,298 or more

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Insurance rates for a Lincoln MKZ can also vary considerably based on the trim level of your MKZ, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $471 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates can be significantly different between companies.

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 Buy the Best Lincoln MKZ Insurance

Saving money on Lincoln MKZ insurance requires being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a brief recap of the data that was covered above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Drivers who want more liability protection will pay approximately $580 per year to increase from a minimum limit to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $442 per month if they have full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,580 more annually than a low-risk driver