Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year with full coverage. Comprehensive costs an estimated $224 each year, collision costs $418, and liability insurance is estimated at $524. Liability-only insurance costs approximately $580 a year, with high-risk driver insurance costing around $2,928. Teenage drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area, rather than relying on average rates.

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 best discount rate is $788
• Choosing higher $1,000 deductibles can save approximately $146 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,346
• Using low deductibles for comp and collision coverage bumps up the cost to $1,630
• High-risk insureds who are prone to accidents and violations could pay up to $2,928 or more
• Policy cost that insures a teen driver can cost as much as $5,298 each year

View Chart as Image

Auto insurance rates for a Lincoln MKZ also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKZ insurance rates. 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 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $471 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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 Affordable Lincoln MKZ Insurance

Finding cheaper rates on Lincoln MKZ insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at every other renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief review of the concepts that were presented in the illustrations above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,580 more annually than a low-risk driver
• Youthful drivers are the costliest to insure, as much as $442 each month if the policy includes full coverage
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• You may be able to save approximately $160 per year simply by quoting online in advance