Lincoln MKZ Insurance Rates

Estimated insurance rates for a Lincoln MKZ are $1,346 a year with full coverage. Comprehensive insurance costs around $224 a year, collision costs $418, and liability costs $524. Liability-only coverage costs as little as $580 a year, with high-risk coverage costing $2,928 or more. Teen drivers pay the most at $5,298 a year or more.

Average premium for full coverage: $1,346

Premium estimates for type of coverage:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and MKZ trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare rates for a specific zip code and risk profile, instead of using price averages.

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

Additional Charts and Tables

The chart below details estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay about $1,200 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,346
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $284 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,928 or more
• An auto insurance policy for full coverage for a teen driver can be $5,298 a year

View Chart as Image

Insurance prices for a Lincoln MKZ also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $430 every year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $471 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially different 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 Cheap Lincoln MKZ Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a quick review of the information covered above.

• You may be able to save up to $160 per year simply by quoting early and online
• Teenage drivers pay higher prices, possibly costing $442 per month for full coverage
• Increasing policy deductibles can save around $425 each year
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,580 more every year for auto insurance
• Policyholders who may need higher levels of liability will pay about $580 every year to go from 30/60 bodily injury limits to 250/500 limits