Lincoln MKZ Insurance Rates

The average insurance prices for a Lincoln MKZ are $1,346 every 12 months for full coverage insurance. Comprehensive costs around $224, collision insurance costs $418, and liability coverage costs $524. A liability-only policy costs as little as $580 a year, and high-risk insurance costs around $2,928. Teenage drivers cost the most to insure at up to $5,298 a year.

Average premium for full coverage: $1,346

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Lincoln MKZ insurance rates for additional coverage choices and driver risks.

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay about $146 each year
• The average price for a good driver age 40 using $500 deductibles is $1,346
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,630
• High-risk insureds who are prone to accidents and violations could pay at least $2,928
• Policy cost to insure a teenage driver with full coverage can be $5,298 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $430 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher 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 excellent drivers will be charged as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

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 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

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 Shop for the Right Lincoln MKZ Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a quick rundown of the material that was touched on in this article.

• Consumers who may need additional liability coverage will pay an extra $580 annually to go from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $442 each month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,580 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $425 each year