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.
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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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 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
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.