Lincoln MKZ Insurance Rates

U.S. average insurance prices for a Lincoln MKZ are $1,346 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $224 each year, collision costs $418, and liability costs $524. Buying just liability costs as little as $580 a year, with insurance 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:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and MKZ models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay $146 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,346
• Using low deductibles for comprehensive and collision insurance costs an extra $284 annually
• Drivers who are prone to accidents and violations could pay around $2,928 or more
• The price to insure a 16-year-old driver can cost $5,298 a year

View Chart as Image

Insurance prices for a Lincoln MKZ are also quite variable based on deductibles and policy limits, your risk profile, and the model of your MKZ.

Using high physical damage deductibles could save up to $430 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different.

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 Shop for the Cheapest Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a recap of the information raised in the charts and tables above.

• It is possible to save around $160 per year simply by quoting online in advance
• Teenagers are the costliest to insure, as much as $442 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $425 each year
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,580 more per year for car insurance
• Insureds who purchase higher liability limits will pay an extra $580 annually to go from a low limit to a 250/500 level