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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Estimated insurance prices for a Lincoln MKZ are $1,378 every 12 months with full coverage. Comprehensive costs approximately $232, collision costs $446, and liability costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing around $2,998. 16-year-old drivers pay the most at $5,396 a year or more.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

Comprehensive $232
Collision $446
Liability $520

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different MKZ trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lincoln MKZ go from the cheapest price of $576 for the bare minimum liability coverage to a much higher rate of $2,998 for a driver required to buy high-risk insurance.

Liability Only $576
Full Coverage $1,378
High Risk $2,998

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using 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.

Additional Rate Information

The chart below details estimated Lincoln MKZ insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $804
  • Drivers who choose higher $1,000 deductibles will pay $154 annually
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,378
  • Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,678
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,998 or more
  • An auto insurance policy to insure a teen driver with full coverage can cost $5,396 a year

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing full coverage Lincoln MKZ insurance rates range from $804 to $5,396

Auto insurance prices for a Lincoln MKZ also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your MKZ.

Opting for high physical damage deductibles could save up to $460 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or at least $1,860 on average in New York, Michigan, and Florida.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$134 -9.7%
Alaska $1,056 -$322 -23.4%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,314 -$64 -4.6%
Connecticut $1,416 $38 2.8%
Delaware $1,560 $182 13.2%
Florida $1,722 $344 25.0%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $934 -$444 -32.2%
Illinois $1,026 -$352 -25.5%
Indiana $1,040 -$338 -24.5%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,390 $1,012 73.4%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,222 -$156 -11.3%
Montana $1,478 $100 7.3%
Nebraska $1,088 -$290 -21.0%
Nevada $1,652 $274 19.9%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,218 -$160 -11.6%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,128 -$250 -18.1%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,838 $460 33.4%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,658 $280 20.3%
Utah $1,018 -$360 -26.1%
Vermont $942 -$436 -31.6%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices will be substantially different.

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 $1,350 $113
Lincoln MKZ AWD 4-Dr Sedan $1,378 $115

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 $232 $446 $520 $1,378
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 Shop for the Best Lincoln MKZ Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, being claim-free, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following list is a brief recap of the data covered in the above illustrations.

  • Policyholders who purchase an increased level of liability coverage will pay around $570 every year to go from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save around $160 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $450 each year
  • Drivers age 16 to 20 have the highest car insurance prices, possibly costing $450 per month if comprehensive and collision insurance is included

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,396
20 $3,202
30 $1,418
40 $1,378
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,538
$500 $1,378
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,108
30 $3,044
40 $2,998
50 $2,866
60 $2,840

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 $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $58
Advance Quote $66
Online Quote $96
Total Discounts $574
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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