Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year with full coverage. Comprehensive insurance costs approximately $224, collision insurance costs $418, and liability coverage costs around $524. A liability-only policy costs as low as $580 a year, and high-risk insurance costs $2,928 or more. Teenage drivers cost the most to insure at up to $5,298 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Includes $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Rate Information

The chart below details average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Using higher $1,000 deductibles will save $146 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Using more expensive low deductibles for physical damage coverage will cost an extra $284 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,928
• Policy cost for full coverage for a teenage driver with full coverage can cost $5,298 or more

View Chart as Image

Car insurance rates for a Lincoln MKZ also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates 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 could cut rates by as much as $430 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

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 the Cheapest Lincoln MKZ Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a recap of the car insurance concepts covered in the charts and tables above.

• Drivers that have major violations or accidents pay on average $1,580 more per year for MKZ insurance
• You may be able to save around $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• Consumers who purchase higher liability limits will pay an extra $580 every year to increase from a 30/60 limit to 250/500 limits