Lincoln MKZ Insurance Rates

Average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive insurance costs an estimated $224, collision costs $418, and liability coverage costs around $524. Buying just liability costs as low as $580 a year, with insurance for high-risk drivers costing $2,928 or more. Teen drivers receive the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different MKZ trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save approximately $146 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,346
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $284 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,928 or more
• The cost that insures a teenage driver with full coverage can cost as much as $5,298 or more

View Chart as Image

Auto insurance rates for a Lincoln MKZ can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be around 43% to 132% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $430 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $471 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

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 Find More Affordable Lincoln MKZ Insurance

Saving money on auto insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a summary of the material that was touched on in the above illustrations.

• Consumers who want more liability coverage will pay about $580 per year to increase from a minimum limit to the 250/500 level
• Teen drivers are the costliest to insure, as much as $442 per month if the policy includes full coverage
• Drivers who have multiple accidents or major violations could be charged and average of $1,580 more annually to insure their MKZ
• Increasing deductibles can save approximately $425 each year