Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,346 annually for full coverage. Comprehensive insurance costs on average $224 each year, collision costs $418, and liability costs around $524. A liability-only policy costs as low as $580 a year, with high-risk insurance costing $2,928 or more. Teenage drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below shows estimated Lincoln MKZ insurance rates for different risk profiles and scenarios.

• The best discount rate is $788
• Using higher $1,000 deductibles will save around $146 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,346
• Using low deductibles for physical damage coverage costs an additional $284 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,928 or more
• Policy cost with full coverage for a teen driver may cost $5,298 or more

View Chart as Image

Car insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $430 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy the Best Lincoln MKZ Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a brief recap of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, costing up to $442 each month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,580 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Drivers can save as much as $160 per year simply by quoting online in advance