Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage. Comprehensive insurance costs approximately $224, collision insurance costs $418, and liability coverage costs around $524. A liability-only policy costs as low as $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:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below shows average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Using higher $1,000 deductibles will save $146 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Using more expensive low deductibles for physical damage coverage will cost an extra $284 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,928
• Policy cost for full coverage for a teenage driver with full coverage can cost $5,298 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,920 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $430 a year, while increasing your policy's liability limits will push rates upward. Going 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 could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can be around 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 the Best Lincoln MKZ Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief recap of the primary concepts that were illustrated above.

• Drivers can save around $160 per year just by shopping early and online
• Drivers who tend to receive serious violations may pay on average $1,580 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $425 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $442 each month if full coverage is included