Lincoln MKZ Insurance Rates

The average insurance prices for a Lincoln MKZ are $1,378 every 12 months including full coverage. Comprehensive insurance costs an estimated $232 each year, collision costs $446, and liability is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing $2,998 or more. Teenage drivers cost the most to insure at $5,396 a year or more.

Average premium for full coverage: $1,378

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area 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.

Rate Comparisons

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

• The best discount rate is $804
• Raising to $1,000 deductibles will save approximately $154 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,378
• Using low deductibles costs an extra $300 annually
• Drivers who are prone to accidents and violations could pay up to $2,998 or more
• Policy cost to insure a 16-year-old driver can cost as much as $5,396

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $460 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lincoln MKZ insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company 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 Shop for the Right Lincoln MKZ Insurance

Finding cheaper rates on insurance for a Lincoln MKZ consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,620 more annually than a safer driver
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Insureds who want an increased level of liability coverage will pay an extra $570 per year to raise from a 30/60 limit to a 250/500 level