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. Comprehensive insurance costs approximately $224 each year, collision costs $418, and liability is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage costing $2,928 or more. Teenage drivers pay the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Comprehensive $224
Collision $418
Liability $524

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and MKZ models.

Price Range from Low to High

Using a middle-aged driver as an example, Lincoln MKZ insurance prices go from as cheap as $580 for a discount liability-only rate to a high rate of $2,928 for a policy for a high-risk driver.

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

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

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

The ranges above show why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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.

Rates by State, City, and Model

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

  • The best discount rate is $788
  • Choosing higher $1,000 deductibles can save $146 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,346
  • Using low deductibles for comp and collision coverage costs an additional $284 annually
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,928 or more
  • The price with full coverage for a 16-year-old driver can cost $5,298 each year

View Chart as Image

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

Auto insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age

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

Using high physical damage deductibles can save as much as $430 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

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 $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,920 on average in New York, Louisiana, 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Affordable Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief review of the coverage data touched on in the above illustrations.

  • Drivers can save around $160 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $425 each year
  • 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $442 a month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,580 more per year than a driver with a clean driving record

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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