Lincoln MKZ Insurance Rates

U.S. average insurance prices for a Lincoln MKZ are $1,346 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $224 a year, collision insurance costs $418, and liability is estimated at $524. Buying just liability costs approximately $580 a year, and insurance for high-risk drivers costs $2,928 or more. Teens pay the highest rates at up to $5,298 a year.

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $1,200 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,346
• Selecting low $100 deductibles for comp and collision coverage costs an extra $284 every year
• Unlucky drivers with serious driving violations could pay up to $2,928
• The price to insure a teen driver can cost as much as $5,298 each year

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Insurance prices for a Lincoln MKZ are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 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.

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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 Cheapest Lincoln MKZ Insurance

Getting lower rates on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the information touched on above.

• It is possible to save approximately $160 per year just by quoting early and online
• Youthful drivers are expensive to insure, as much as $442 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $425 each year
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,580 more annually than a low-risk driver
• Policyholders who want more liability protection will pay approximately $580 annually to raise limits from a low limit to a 250/500 level