Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive insurance costs on average $224, collision insurance costs $418, and liability insurance is estimated at $524. A liability-only policy costs approximately $580 a year, and high-risk insurance costs $2,928 or more. Teenage drivers cost the most to insure at up to $5,298 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location and risk profile, 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 average Lincoln MKZ insurance rates for different risk profiles and scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save around $146 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,346
• Using pricier low deductibles for comp and collision coverage will cost an extra $284 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,928
• Policy cost for full coverage for a teen driver for full coverage may cost $5,298 each year

View Chart as Image

Car insurance rates for a Lincoln MKZ also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age

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 $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $430 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 extra every 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

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 Cheap Lincoln MKZ Insurance

Finding cheaper rates on Lincoln MKZ insurance takes having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations pay an average of $1,580 more each year than a driver with a clean driving record
• It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers who require additional liability coverage will pay an extra $580 annually to raise limits from a 30/60 limit to 250/500 limits