Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive insurance costs an estimated $224 each year, collision costs $418, and liability coverage is $524. A policy with just liability insurance costs around $580 a year, with coverage for high-risk drivers 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:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and MKZ models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $788
• Raising to $1,000 deductibles will save approximately $146 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,346
• Using low deductibles will cost an additional $284 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,928 or more
• The price that insures a teenage driver can cost as much as $5,298

View Chart as Image

Insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $430 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.

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

Getting lower rates on auto insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at least every other year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a recap of the car insurance concepts covered above.

• Drivers that have major violations or accidents could be charged and average of $1,580 more annually for auto insurance
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $425 each year
• Consumers who want higher levels of liability will pay an extra $580 per year to raise from a low limit to the 250/500 level