Lincoln MKZ Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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...

Licensed Insurance Agent

UPDATED: Apr 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Lincoln MKZ are $1,378 a year including full coverage. Comprehensive insurance costs around $232 a year, collision insurance costs $446, and liability costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs $2,998 or more. Teenage drivers pay the most at up to $5,396 a year.

Average premium for full coverage: $1,378

Premium estimates for type of coverage:

Comprehensive $232
Collision $446
Liability $520

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and MKZ trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Lincoln MKZ range from the low end price of $576 for just liability insurance to a high of $2,998 for coverage for higher-risk drivers.

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. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

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

These rate differences highlight why it is important to compare rates for a specific zip code, instead of using average rates.

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.

More Rate Details

The chart below breaks down average Lincoln MKZ insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $804
  • Drivers who choose higher $1,000 deductibles will pay about $1,224 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,378
  • Using low $100 deductibles for comprehensive and collision insurance will cost an additional $300 every year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,998
  • An auto insurance policy that insures a teen driver can be $5,396 a year

View Chart as Image

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

Auto insurance prices for a Lincoln MKZ also have a wide range based on the trim level of your MKZ, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

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

Using high physical damage deductibles could save up to $460 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

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 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.

Lincoln MKZ Insurance Rates by Model Year
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 Affordable Lincoln MKZ Insurance

Finding better rates on car insurance not only requires being a good driver, but also maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare prices at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a brief review of the primary concepts that were touched on in this article.

  • You may be able to save up to $160 per year just by quoting early and online
  • Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,620 more every year than a safer driver
  • Increasing policy deductibles can save approximately $450 each year
  • Drivers age 16 to 20 are expensive to insure, with the cost nearing $450 per month if the policy includes full coverage

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles