Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year with full coverage. Comprehensive costs approximately $224, collision costs $418, and liability insurance is $524. Liability-only insurance costs around $580 a year, with high-risk driver insurance costing around $2,928. Teens 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:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 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 insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

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

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save $146 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Selecting more expensive low deductibles will increase the cost to $1,630
• Higher-risk drivers with serious driving violations could pay around $2,928 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $5,298

View Chart as Image

Auto 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 a good driving record and high 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, where even good drivers will have to pay in the ballpark of $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 $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

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 push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $471 extra every year. 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 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

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates will be varied 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

Finding cheaper rates on Lincoln MKZ insurance consists of avoiding accidents and claims, having good credit, not filing small claims, and not having any coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the material that was touched on above.

• Drivers who purchase increased liability limits will pay approximately $580 every year to raise from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 have the highest car insurance rates, as much as $442 each month if they have full coverage
• High-risk drivers who tend to receive serious violations pay on average $1,580 more per year to insure a Lincoln MKZ
• Increasing comprehensive and collision deductibles can save around $425 each year