Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,378 annually for full coverage insurance. Comprehensive insurance costs an estimated $232, collision costs $446, and liability is estimated at $520. A liability-only policy costs approximately $576 a year, with high-risk insurance costing $2,998 or more. Teens cost the most to insure at $5,396 a year or more.

Average premium for full coverage: $1,378

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $804
• Choosing higher $1,000 deductibles can save approximately $154 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,378
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $300 every year
• Unlucky drivers with serious driving violations could pay up to $2,998 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,396 each year

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Car insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $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 probably paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 Cheaper Lincoln MKZ Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the information covered above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Teenagers have the highest car insurance rates, possibly costing $450 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,620 more annually for car insurance
• Policyholders who want higher liability limits will pay approximately $570 annually to raise limits from a 30/60 limit to higher 250/500 limits