Lincoln MKZ Insurance Rates

The average insurance prices for a Lincoln MKZ are $1,346 every 12 months including full coverage. Comprehensive insurance costs approximately $224, collision costs $418, and liability coverage is estimated at $524. Buying just liability costs approximately $580 a year, with insurance for high-risk drivers costing $2,928 or more. Teenage drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save $146 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,346
• Using pricier low deductibles for comp and collision coverage costs an extra $284 each year
• Drivers who are prone to accidents and violations could pay around $2,928 or more
• Policy cost to insure a teenage driver for full coverage can cost $5,298 each year

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your MKZ.

Using high physical damage deductibles can save as much as $430 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,200 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 anywhere from $1,600 to $2,300 extra every year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lincoln MKZ insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so the 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 Cheap Lincoln MKZ Insurance

Finding cheaper rates on auto insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at least once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Drivers that tend to have accidents or serious violations could be charged and average of $1,580 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $442 each month if they have full coverage