Lincoln MKZ Insurance Rates

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

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save approximately $146 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,346
• Selecting more expensive low deductibles bumps up the cost to $1,630
• Higher-risk drivers with serious driving violations could pay up to $2,928
• Policy cost that insures a teen driver with full coverage can cost as much as $5,298

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months 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 also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 each year, while increasing your policy's liability limits will increase premiums. Changing 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

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 consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the coverage data touched on in this article.

• You may be able to save approximately $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teenage drivers are the costliest to insure, with premiums being up to $442 each month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,580 more annually for auto insurance