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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Average auto insurance rates for a Lincoln MKZ are $1,432 annually for full coverage insurance. Comprehensive insurance costs on average $248, collision costs $484, and liability coverage costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing $3,120 or more. Teen drivers receive the highest rates at $5,572 a year or more.

Average premium for full coverage: $1,432

Rate estimates by individual coverage type:

Comprehensive $248
Collision $484
Liability $520

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all MKZ models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $576 for liability-only coverage to the much higher price of $3,120 for a high-risk insurance policy.

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

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.

The example below illustrates how geographic area affects car insurance rates.

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

These examples illustrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than using price 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $829
  • Using higher $1,000 deductibles will save around $164 each year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,432
  • Choosing pricier low deductibles for physical damage coverage costs an additional $326 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,120 or more
  • The cost with full coverage for a teenage driver for full coverage may cost $5,572 or more

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

Insurance rates for a Lincoln MKZ can also vary considerably based on the trim level of your MKZ, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 additional per year, depending on your age. Lincoln MKZ insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $490 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,930 on average in Michigan, New York, 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 so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly 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 Cheaper Lincoln MKZ Insurance

Saving money on auto insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a condensed summary of the car insurance concepts presented in the illustrations above.

  • Drivers with multiple at-fault accidents may pay on average $1,690 more each year for car insurance
  • It is possible to save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $500 each year
  • Consumers who require higher liability limits will pay about $570 annually to increase from a minimum limit to higher 250/500 limits

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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