Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive costs an estimated $224, collision insurance costs $418, and liability coverage costs $524. Liability-only coverage costs as little as $580 a year, and high-risk coverage costs around $2,928. Teens cost the most to insure at up to $5,298 a year.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why everyone should compare rates for a targeted area, rather than using averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Lincoln MKZ insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,346
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,630
• High-risk insureds with serious driving violations could pay up to $2,928
• Policy cost that insures a teenage driver for full coverage can cost as much as $5,298 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,600 to $2,300 additional every year, depending on your age. Lincoln MKZ insurance for high-risk drivers can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $430 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and possibly raising deductibles. Compare rates at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick review of the primary concepts that were raised in the charts and tables above.

• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Drivers with a DUI or reckless driving violation may have to pay on average $1,580 more annually to insure their MKZ
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teen drivers are expensive to insure, possibly costing $442 each month if comprehensive and collision insurance is included