Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive insurance costs an estimated $224 each year, collision costs $418, and liability coverage costs $524. Liability-only coverage costs as little as $580 a year, with high-risk coverage costing $2,928 or more. Teen drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

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

The examples above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using price averages.

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 lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $146 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,346
• Choosing low deductibles for comprehensive and collision insurance costs an additional $284 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,928 or more
• Policy cost with full coverage for a teenage driver can cost as much as $5,298 a year

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, 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 have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $430 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates will be varied 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 Low Cost Lincoln MKZ Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a review of the material that was touched on in the above illustrations.

• Consumers who want more liability protection will pay about $580 per year to go from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, with premiums being up to $442 each month if they have full coverage
• Drivers who have several accidents or serious violations could be forced to pay on average $1,580 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $425 each year