Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive insurance costs an estimated $224, collision costs $418, and liability costs around $524. Liability-only coverage costs as low as $580 a year, with high-risk coverage costing $2,928 or more. Teen drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Details

The chart below breaks down estimated Lincoln MKZ insurance rates for other coverage scenarios.

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save approximately $146 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,346
• Choosing pricier low deductibles for physical damage coverage costs an additional $284 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,928 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,298 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

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

Choosing high deductibles could cut rates by as much as $430 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or 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 which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

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 Buy the Right Lincoln MKZ Insurance

Finding cheaper rates on insurance for a Lincoln MKZ requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a quick rundown of the ideas that were touched on above.

• Teens are expensive to insure, with premiums being up to $442 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,580 more annually for MKZ insurance
• Increasing comprehensive and collision deductibles could save up to $425 each year
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date