Lincoln MKZ Insurance Rates

Estimated 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 costs $524. A liability-only policy costs as little as $580 a year, with high-risk insurance costing $2,928 or more. Teenage drivers pay the most at $5,298 a year or more.

Average premium for full coverage: $1,346

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and MKZ models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

These rate differences highlight why all drivers should compare rates for a targeted area, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $146 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,346
• Using low deductibles for comprehensive and collision insurance will cost an additional $284 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,928 or more
• An auto insurance policy that insures a teenage driver can cost as much as $5,298 a year

View Chart as Image

Auto insurance prices for a Lincoln MKZ also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

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

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Where you choose to live 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 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 could save 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 cost up to $471 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 Best Cheap Lincoln MKZ Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a quick review of the material that was covered in the charts and tables above.

• Consumers who want higher liability limits will pay an extra $580 per year to go from 30/60 bodily injury limits to the 250/500 level
• Teenagers are the costliest to insure, with the cost nearing $442 per month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation could be charged and average of $1,580 more annually for car insurance
• Increasing policy deductibles can save approximately $425 each year