Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive insurance costs approximately $224, collision costs $418, and liability insurance is estimated at $524. A policy with just liability insurance costs approximately $580 a year, with coverage for high-risk drivers 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 by individual coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all MKZ models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates 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 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,346
• Using pricier low deductibles for comp and collision coverage will cost an additional $284 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,928 or more
• The price that insures a teen driver for full coverage can cost $5,298 each year

View Chart as Image

Insurance prices for a Lincoln MKZ are also quite variable based on the model of your MKZ, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln MKZ insurance rates. A good driver about age 40 could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

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 Cheap Lincoln MKZ Insurance

Getting lower rates on Lincoln MKZ insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices every couple of years by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a quick review of the material that was raised in the charts and tables above.

• Drivers who purchase increased liability limits will pay an extra $580 annually to raise limits from a low limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, as much as $442 a month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,580 more per year to insure a Lincoln MKZ
• Increasing physical damage deductibles can save approximately $425 each year