Lincoln MKZ Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 22, 2024
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The average insurance rates for a Lincoln MKZ are $1,378 a year for full coverage insurance. Comprehensive costs around $232 a year, collision costs $446, and liability coverage costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing around $2,998. 16-year-old drivers cost the most to insure at $5,396 a year or more.
Average premium for full coverage: $1,378
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and MKZ trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Lincoln MKZ insurance rates go from as low as $576 for the bare minimum liability coverage to a high of $2,998 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than 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 illustrates estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $804
- Using higher $1,000 deductibles will save about $1,224 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,378
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,678
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,998 or more
- Policy cost for full coverage for a teenage driver can be $5,396 or more
Insurance rates for a Lincoln MKZ also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age
Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,860 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $460 a year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKZ | $282 | $618 | $500 | $1,580 |
| 2019 Lincoln MKZ | $270 | $574 | $510 | $1,534 |
| 2018 Lincoln MKZ | $260 | $540 | $514 | $1,494 |
| 2017 Lincoln MKZ | $248 | $484 | $520 | $1,432 |
| 2016 Lincoln MKZ | $232 | $446 | $520 | $1,378 |
| 2015 Lincoln MKZ | $224 | $418 | $524 | $1,346 |
| 2014 Lincoln MKZ | $220 | $390 | $534 | $1,324 |
| 2013 Lincoln MKZ | $202 | $362 | $534 | $1,278 |
| 2012 Lincoln MKZ | $198 | $328 | $540 | $1,246 |
| 2011 Lincoln MKZ | $184 | $300 | $534 | $1,198 |
| 2010 Lincoln MKZ | $174 | $272 | $534 | $1,160 |
| 2009 Lincoln MKZ | $168 | $246 | $530 | $1,124 |
| 2008 Lincoln MKZ | $166 | $240 | $520 | $1,106 |
| 2007 Lincoln MKZ | $162 | $228 | $510 | $1,080 |
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 Find the Best Cheap Lincoln MKZ Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a quick review of the ideas that were raised in the charts and tables above.
- Teenagers pay higher rates, possibly costing $450 each month for full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,620 more every year for car insurance
- Increasing comprehensive and collision deductibles can save around $450 each year
- It is possible to save up to $160 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,538 |
| $500 | $1,378 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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