Lincoln MKZ Insurance Rates

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

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all MKZ models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why everyone should get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save $146 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,346
• Using pricier low deductibles for comp and collision coverage will cost an extra $284 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,928 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost $5,298 each year

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $430 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 extra each year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 More Affordable Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ takes being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a summary of the information touched on in this article.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are expensive to insure, costing up to $442 a month for full coverage
• Increasing physical damage deductibles can save around $425 each year
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,580 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay an extra $580 every year to raise limits from a low limit to 250/500 limits