Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive insurance costs around $224, collision costs $418, and liability coverage is $524. Liability-only coverage costs around $580 a year, with high-risk coverage 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 for individual coverage:

Rate estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

More Rate Information

The chart below breaks down estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.

• The best discount rate is $788
• Raising to $1,000 deductibles will save about $146 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,346
• Using more expensive low deductibles will cost an extra $284 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,928 or more
• The price for full coverage for a teenage driver with full coverage can be $5,298

View Chart as Image

Auto insurance prices for a Lincoln MKZ are also quite variable based on your driving record, the model of your MKZ, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,920 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $430 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,600 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 Best Lincoln MKZ Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the data that was covered above.

• You may be able to save up to $160 per year simply by shopping early and online
• Consumers who may need higher liability limits will pay an extra $580 per year to raise from a low limit to 250/500 limits
• Teens are expensive to insure, possibly costing $442 a month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,580 more every year for MKZ insurance