Lincoln MKZ Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$102|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area