Lincoln MKZ Insurance Rates

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

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save approximately $1,200 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,346
• Choosing low $100 deductibles will cost $1,630
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,928 or more
• The price with full coverage for a teen driver can cost as much as $5,298

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Insurance prices for a Lincoln MKZ are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $430 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 more each year. View Rates by Deductible or Liability Limit

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 $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,820 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices may be quite different 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 Cheap Lincoln MKZ Insurance

Getting lower rates on Lincoln MKZ insurance consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the information covered above.

• You may be able to save approximately $160 per year simply by quoting early and online
• Teen drivers are expensive to insure, costing up to $442 a month if they have full coverage
• Increasing physical damage deductibles could save up to $425 each year
• High-risk drivers that tend to have accidents or serious violations pay on average $1,580 more annually to insure their MKZ
• Drivers who want more liability coverage will pay about $580 every year to raise from a low limit to higher 250/500 limits