Lincoln MKZ Insurance Rates

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Luke Williams

Insurance and Finance Writer

Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications.  His insurance and finance writing has been featured on Spoxor, The Good Men Proje...

Insurance and Finance Writer

UPDATED: Jun 6, 2023

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Estimated auto insurance rates for a Lincoln MKZ are $1,432 annually with full coverage. Comprehensive insurance costs an estimated $248 each year, collision costs $484, and liability costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $3,120 or more. Teens pay the most at $5,572 a year or more.

Average premium for full coverage: $1,432

Premium estimates broken down by type of coverage:

Comprehensive $248
Collision $484
Liability $520

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and MKZ models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lincoln MKZ go from as cheap as $576 for your basic liability-only policy to a high rate of $3,120 for coverage for higher-risk drivers.

Liability Only $576
Full Coverage $1,432
High Risk $3,120

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,074
Small Cities $1,504
Large Cities $1,933

These rate differences demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, 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 Information

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

  • The cheapest rate after discounts is $829
  • Drivers who choose higher $1,000 deductibles will pay approximately $164 annually
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,432
  • Selecting low deductibles for comprehensive and collision insurance costs an additional $326 annually
  • Drivers with serious driving violations could pay up to $3,120 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $5,572 a year

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing full coverage Lincoln MKZ insurance prices range from $829 to $5,572

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $490 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,930 on average in New York, Michigan, and Florida.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,294 -$138 -9.6%
Alaska $1,098 -$334 -23.3%
Arizona $1,190 -$242 -16.9%
Arkansas $1,432 -$0 0.0%
California $1,632 $200 14.0%
Colorado $1,366 -$66 -4.6%
Connecticut $1,472 $40 2.8%
Delaware $1,622 $190 13.3%
Florida $1,794 $362 25.3%
Georgia $1,324 -$108 -7.5%
Hawaii $1,028 -$404 -28.2%
Idaho $970 -$462 -32.3%
Illinois $1,068 -$364 -25.4%
Indiana $1,082 -$350 -24.4%
Iowa $968 -$464 -32.4%
Kansas $1,360 -$72 -5.0%
Kentucky $1,954 $522 36.5%
Louisiana $2,122 $690 48.2%
Maine $884 -$548 -38.3%
Maryland $1,182 -$250 -17.5%
Massachusetts $1,144 -$288 -20.1%
Michigan $2,486 $1,054 73.6%
Minnesota $1,200 -$232 -16.2%
Mississippi $1,716 $284 19.8%
Missouri $1,270 -$162 -11.3%
Montana $1,538 $106 7.4%
Nebraska $1,130 -$302 -21.1%
Nevada $1,720 $288 20.1%
New Hampshire $1,034 -$398 -27.8%
New Jersey $1,602 $170 11.9%
New Mexico $1,268 -$164 -11.5%
New York $1,510 $78 5.4%
North Carolina $826 -$606 -42.3%
North Dakota $1,174 -$258 -18.0%
Ohio $988 -$444 -31.0%
Oklahoma $1,472 $40 2.8%
Oregon $1,312 -$120 -8.4%
Pennsylvania $1,366 -$66 -4.6%
Rhode Island $1,912 $480 33.5%
South Carolina $1,298 -$134 -9.4%
South Dakota $1,208 -$224 -15.6%
Tennessee $1,252 -$180 -12.6%
Texas $1,726 $294 20.5%
Utah $1,058 -$374 -26.1%
Vermont $982 -$450 -31.4%
Virginia $858 -$574 -40.1%
Washington $1,106 -$326 -22.8%
West Virginia $1,312 -$120 -8.4%
Wisconsin $992 -$440 -30.7%
Wyoming $1,276 -$156 -10.9%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Every company calculates prices differently, and quoted prices will be substantially different between companies.

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 $1,404 $117
Lincoln MKZ AWD 4-Dr Sedan $1,432 $119

Rates assume 2015 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
2015 Lincoln MKZ $248 $484 $520 $1,432
2013 Lincoln MKZ $224 $418 $524 $1,346
2012 Lincoln MKZ $220 $390 $534 $1,324
2011 Lincoln MKZ $202 $362 $534 $1,278
2010 Lincoln MKZ $198 $328 $540 $1,246
2009 Lincoln MKZ $184 $300 $534 $1,198
2008 Lincoln MKZ $174 $272 $534 $1,160
2007 Lincoln MKZ $168 $246 $530 $1,124

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 Buy the Cheapest Lincoln MKZ Insurance

Finding better rates on insurance for a Lincoln MKZ not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

Below is a recap of the primary concepts that were covered in the above illustrations.

  • You may be able to save approximately $170 per year simply by quoting online in advance
  • Drivers considered higher risk that have major violations or accidents pay on average $1,690 more annually for auto insurance
  • Increasing policy deductibles could save up to $500 each year
  • Teenage drivers are the costliest to insure, possibly costing $464 per month if full coverage is included

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,572
20 $3,332
30 $1,478
40 $1,432
50 $1,314
60 $1,288

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,758
$250 $1,606
$500 $1,432
$1,000 $1,268

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,432
50/100 $1,536
100/300 $1,666
250/500 $2,004
100 CSL $1,588
300 CSL $1,874
500 CSL $2,082

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,926
20 $5,316
30 $3,172
40 $3,120
50 $2,984
60 $2,958

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 $203

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $78
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $93
Paid in Full/EFT $62
Advance Quote $70
Online Quote $100
Total Discounts $603
Rate after discounts $829

Discounts are estimated and may not be available from every company or in every state.

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