Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive costs approximately $224, collision costs $418, and liability coverage is $524. A policy with just liability insurance costs around $580 a year, with coverage for high-risk drivers costing around $2,928. Teens pay the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all MKZ models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance prices.

The ranges above illustrate why everyone should compare rates quotes using their specific location, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save $146 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,346
• Selecting pricier low deductibles bumps up the cost to $1,630
• Unlucky drivers with serious driving violations could pay around $2,928 or more
• The price that insures a teenage driver for full coverage can cost $5,298

View Chart as Image

Insurance prices for a Lincoln MKZ are also quite variable based on the model of your MKZ, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Lincoln MKZ insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite 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 Cheap Lincoln MKZ Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below is a brief summary of the car insurance concepts illustrated above.

• Drivers that tend to have accidents or serious violations could be charged and average of $1,580 more per year for auto insurance
• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $425 each year
• Consumers who purchase higher levels of liability will pay approximately $580 annually to raise from a low limit to the 250/500 level