Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage. Comprehensive insurance costs an estimated $224 each year, collision costs $418, and liability costs around $524. Liability-only coverage costs as low as $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 broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and MKZ models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $788
• Using higher $1,000 deductibles will save approximately $146 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,346
• Using low deductibles for physical damage coverage will cost an extra $284 every year
• Drivers who are prone to accidents and violations could pay up to $2,928 or more
• The price for full coverage for a teen driver can cost as much as $5,298 or more

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Auto insurance prices for a Lincoln MKZ are also quite variable based on your driving record, the trim level of your MKZ, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see prices 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.

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Using high physical damage deductibles could cut prices by as much as $430 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 Cheaper Lincoln MKZ Insurance

Getting lower rates on car insurance requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a condensed summary of the coverage data covered in the charts and tables above.

• Drivers can save approximately $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $425 each year
• Teen drivers are the costliest to insure, with premiums as much as $442 a month if they have full coverage
• Higher risk drivers with multiple at-fault accidents pay an average of $1,580 more annually to insure their MKZ