Lincoln MKZ Insurance Rates
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UPDATED: Apr 22, 2024
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Average insurance rates for a Lincoln MKZ are $1,432 a year including full coverage. Comprehensive costs an estimated $248 each year, collision insurance costs $484, and liability is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs around $3,120. 16-year-old drivers receive the highest rates at up to $5,572 a year.
Average premium for full coverage: $1,432
Rate estimates broken down by individual coverage type:
Prices include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and MKZ models.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $576 for just liability coverage to a high rate of $3,120 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts insurance prices.
These examples highlight why all drivers should get quotes for a targeted area, instead of making a decision based on rate averages.
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.
Detailed Rate Analysis
The chart below breaks down average Lincoln MKZ insurance rates for other coverage scenarios.
- The best full coverage rate is $829
- Choosing higher $1,000 deductibles can save approximately $164 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,432
- Buying low deductibles for comp and collision coverage bumps up the cost to $1,758
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,120
- The cost that insures a 16-year-old driver can cost as much as $5,572 each year
Insurance rates for a Lincoln MKZ can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,040 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $490 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKZ | $298 | $640 | $486 | $1,604 |
| 2019 Lincoln MKZ | $282 | $618 | $500 | $1,580 |
| 2018 Lincoln MKZ | $270 | $574 | $510 | $1,534 |
| 2017 Lincoln MKZ | $260 | $540 | $514 | $1,494 |
| 2016 Lincoln MKZ | $248 | $484 | $520 | $1,432 |
| 2015 Lincoln MKZ | $232 | $446 | $520 | $1,378 |
| 2014 Lincoln MKZ | $224 | $418 | $524 | $1,346 |
| 2013 Lincoln MKZ | $220 | $390 | $534 | $1,324 |
| 2012 Lincoln MKZ | $202 | $362 | $534 | $1,278 |
| 2011 Lincoln MKZ | $198 | $328 | $540 | $1,246 |
| 2010 Lincoln MKZ | $184 | $300 | $534 | $1,198 |
| 2009 Lincoln MKZ | $174 | $272 | $534 | $1,160 |
| 2008 Lincoln MKZ | $168 | $246 | $530 | $1,124 |
| 2007 Lincoln MKZ | $166 | $240 | $520 | $1,106 |
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 Find the Right Lincoln MKZ Insurance
Saving money on insurance for a Lincoln MKZ takes having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a quick rundown of the information touched on above.
- You may be able to save approximately $170 per year just by quoting online in advance
- Drivers age 20 and younger are charged the highest rates, as much as $464 per month if full coverage is included
- Increasing deductibles can save approximately $500 each year
- Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,690 more annually to buy Lincoln MKZ insurance
- Insureds who want increased levels of liability coverage will pay around $570 per year to raise limits from a minimum limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,758 |
| $250 | $1,606 |
| $500 | $1,432 |
| $1,000 | $1,268 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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