Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,378 annually including full coverage. Comprehensive costs on average $232 each year, collision costs $446, and liability is $520. Buying just liability costs around $576 a year, with insurance for high-risk drivers costing around $2,998. Teenage drivers cost the most to insure at $5,396 a year or more.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down estimated Lincoln MKZ insurance rates for different risk profiles and scenarios.

• The best discount rate is $804
• Raising to $1,000 deductibles will save around $154 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,378
• Using low deductibles will cost $1,678
• Drivers who are prone to accidents and violations could pay upwards of $2,998 or more
• Policy cost with full coverage for a 16-year-old driver may cost $5,396

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 policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,300 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 at a minimum $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $460 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lincoln MKZ insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so the 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 insurance for a Lincoln MKZ consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest time comparing rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,620 more each year for car insurance
• You may be able to save as much as $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Insureds who require higher liability limits will pay an extra $570 per year to raise from a 30/60 limit to higher 250/500 limits