Lincoln MKZ Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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 for full coverage insurance. Comprehensive insurance costs an estimated $232, 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 broken down by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all MKZ models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lincoln MKZ range from as low as $576 for your basic liability-only policy to the much higher price of $2,998 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how your location can change insurance prices.
These rate differences illustrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on 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 Information
The chart below illustrates average Lincoln MKZ insurance rates for other coverage scenarios.
- The best discount rate is $804
- Drivers who choose higher $1,000 deductibles will pay approximately $154 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,378
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $300 annually
- Drivers who are prone to accidents and violations could pay up to $2,998
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $5,396 a year
Auto insurance prices for a Lincoln MKZ also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $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 $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $460 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,300 in extra premium annually, depending on your age. Lincoln MKZ insurance for high-risk drivers can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Cheapest Lincoln MKZ Insurance
Finding better rates on insurance for a Lincoln MKZ not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a recap of the car insurance concepts illustrated above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,620 more annually for car insurance
- It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $450 each year
- Insureds who want higher liability limits will pay an extra $570 annually to go from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,538 |
| $500 | $1,378 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
Secured with SHA-256 Encryption
