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Lincoln MKZ 4-Dr Sedan Insurance Rates

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U.S. average insurance rates for a Lincoln MKZ 4-Dr Sedan are $1,628 a year for full coverage insurance. Comprehensive costs around $340 a year, collision costs $698, and liability costs $410. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $3,538. Teenage drivers pay the highest rates at $6,030 a year or more.

Annual premium for full coverage: $1,628

Price estimates for individual coverage type:

Comprehensive $340
Collision $698
Liability $410

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln MKZ Trim Level

For the average 40-year-old driver, Lincoln MKZ 4-Dr Sedan insurance prices go from as low as $486 for just liability insurance to a high of $3,538 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,628
High Risk $3,538

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,221
Small Cities $1,709
Large Cities $2,198

These price ranges illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Lincoln MKZ 4-Dr Sedan are also quite variable based on your driving record, the model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers will have to pay as much as $6,000 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKZ 4-Dr Sedan insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $700 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $369 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates may be quite different from one company to the next.

View Chart as Image

Lincoln MKZ 4-Dr Sedan insurance cost comparison chart
Column chart showing Lincoln MKZ 4-Dr Sedan insurance prices range from $924 to $6,030 for full coverage

The chart estimates Lincoln MKZ 4-Dr Sedan insurance rates for different risk profiles and scenarios. The cheapest discount rate is $924. Drivers who use higher $1,000 deductibles will pay around $1,392. The average rate for a driver age 40 with no violations using $500 deductibles is $1,628. Choosing low $100 deductibles for physical damage coverage can cost as much as $2,090. Drivers with multiple violations and accidents could be charged at least $3,538. The cost for full coverage insurance for a 16-year-old driver is $6,030.

Lincoln MKZ 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,472 -$156 -9.6%
Alaska $1,250 -$378 -23.2%
Arizona $1,352 -$276 -17.0%
Arkansas $1,628 -$0 0.0%
California $1,856 $228 14.0%
Colorado $1,554 -$74 -4.5%
Connecticut $1,674 $46 2.8%
Delaware $1,844 $216 13.3%
Florida $2,038 $410 25.2%
Georgia $1,504 -$124 -7.6%
Hawaii $1,168 -$460 -28.3%
Idaho $1,102 -$526 -32.3%
Illinois $1,212 -$416 -25.6%
Indiana $1,228 -$400 -24.6%
Iowa $1,100 -$528 -32.4%
Kansas $1,546 -$82 -5.0%
Kentucky $2,220 $592 36.4%
Louisiana $2,412 $784 48.2%
Maine $1,006 -$622 -38.2%
Maryland $1,342 -$286 -17.6%
Massachusetts $1,300 -$328 -20.1%
Michigan $2,828 $1,200 73.7%
Minnesota $1,364 -$264 -16.2%
Mississippi $1,952 $324 19.9%
Missouri $1,444 -$184 -11.3%
Montana $1,750 $122 7.5%
Nebraska $1,284 -$344 -21.1%
Nevada $1,954 $326 20.0%
New Hampshire $1,176 -$452 -27.8%
New Jersey $1,822 $194 11.9%
New Mexico $1,442 -$186 -11.4%
New York $1,714 $86 5.3%
North Carolina $938 -$690 -42.4%
North Dakota $1,334 -$294 -18.1%
Ohio $1,124 -$504 -31.0%
Oklahoma $1,672 $44 2.7%
Oregon $1,492 -$136 -8.4%
Pennsylvania $1,552 -$76 -4.7%
Rhode Island $2,172 $544 33.4%
South Carolina $1,476 -$152 -9.3%
South Dakota $1,376 -$252 -15.5%
Tennessee $1,424 -$204 -12.5%
Texas $1,960 $332 20.4%
Utah $1,204 -$424 -26.0%
Vermont $1,114 -$514 -31.6%
Virginia $974 -$654 -40.2%
Washington $1,256 -$372 -22.9%
West Virginia $1,492 -$136 -8.4%
Wisconsin $1,128 -$500 -30.7%
Wyoming $1,452 -$176 -10.8%

View Chart as Image

Lincoln MKZ 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Lincoln MKZ 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $6,030
20 $3,794
30 $1,704
40 $1,628
50 $1,488
60 $1,460

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,090
$250 $1,874
$500 $1,628
$1,000 $1,392

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,628
50/100 $1,710
100/300 $1,813
250/500 $2,079
100 CSL $1,751
300 CSL $1,977
500 CSL $2,141

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,624
20 $6,030
30 $3,626
40 $3,538
50 $3,378
60 $3,348

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 $231

Potential Rate Discounts

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

Discount Savings
Multi-policy $87
Multi-vehicle $85
Homeowner $23
5-yr Accident Free $126
5-yr Claim Free $106
Paid in Full/EFT $78
Advance Quote $83
Online Quote $116
Total Discounts $704
Rate after discounts $924

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

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