Lincoln MKZ Insurance Rates

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UPDATED: Apr 22, 2024

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Average insurance prices for a Lincoln MKZ are $1,346 every 12 months with full coverage. Comprehensive costs approximately $224, collision costs $418, and liability is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage 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 by individual coverage type:

Comprehensive $224
Collision $418
Liability $524

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different MKZ trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $580 for just liability insurance to a much higher rate of $2,928 for a driver required to buy high-risk insurance.

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

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

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

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of making a decision based on 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.

More Rate Details

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

  • The cheapest rate after discounts is $788
  • Choosing higher $1,000 deductibles can save $146 annually
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,346
  • Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,630
  • Higher-risk drivers with serious driving violations could pay around $2,928 or more
  • The cost to insure a 16-year-old driver with full coverage can cost $5,298 each year

View Chart as Image

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

Car insurance rates for a Lincoln MKZ can also vary considerably based on policy deductibles and limits, your driving record, and the model of your MKZ.

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $471 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

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

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

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 Shop for the Best Cheap Lincoln MKZ Insurance

Saving money on insurance for a Lincoln MKZ takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a quick review of the data presented in the illustrations above.

  • Insureds who purchase additional liability coverage will pay approximately $580 every year to raise limits from a minimum limit to a 250/500 level
  • You may be able to save around $160 per year simply by shopping early and online
  • Increasing deductibles could save as much as $425 each year
  • 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums as much as $442 per month if the policy includes full coverage

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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