Lincoln MKZ Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Average insurance prices for a Lincoln MKZ are $1,346 every 12 months for full coverage insurance. Comprehensive costs on average $224 a year, collision insurance costs $418, and liability costs around $524. A policy with just liability insurance costs as low as $580 a year, and coverage for high-risk drivers costs around $2,928. Teens receive the highest rates at up to $5,298 a year.
Average premium for full coverage: $1,346
Rate estimates by individual coverage type:
Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and MKZ trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $580 for the bare minimum liability coverage to a high of $2,928 for high-risk insurance.
Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why it is important to compare prices based on a specific location and their own driving history, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates average Lincoln MKZ insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $788
- Using higher $1,000 deductibles will save around $1,200 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,346
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,630
- Drivers with serious driving violations could pay upwards of $2,928
- The cost to insure a teen driver may cost $5,298 or more
Insurance rates for a Lincoln MKZ can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your MKZ.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost 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 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$130 | -9.7% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,284 | -$62 | -4.6% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,524 | $178 | 13.2% |
| Florida | $1,684 | $338 | 25.1% |
| Georgia | $1,244 | -$102 | -7.6% |
| Hawaii | $966 | -$380 | -28.2% |
| Idaho | $914 | -$432 | -32.1% |
| Illinois | $1,004 | -$342 | -25.4% |
| Indiana | $1,018 | -$328 | -24.4% |
| Iowa | $908 | -$438 | -32.5% |
| Kansas | $1,278 | -$68 | -5.1% |
| Kentucky | $1,836 | $490 | 36.4% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,076 | -$270 | -20.1% |
| Michigan | $2,338 | $992 | 73.7% |
| Minnesota | $1,128 | -$218 | -16.2% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,194 | -$152 | -11.3% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,062 | -$284 | -21.1% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $972 | -$374 | -27.8% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,190 | -$156 | -11.6% |
| New York | $1,418 | $72 | 5.3% |
| North Carolina | $776 | -$570 | -42.3% |
| North Dakota | $1,104 | -$242 | -18.0% |
| Ohio | $928 | -$418 | -31.1% |
| Oklahoma | $1,380 | $34 | 2.5% |
| Oregon | $1,232 | -$114 | -8.5% |
| Pennsylvania | $1,282 | -$64 | -4.8% |
| Rhode Island | $1,798 | $452 | 33.6% |
| South Carolina | $1,222 | -$124 | -9.2% |
| South Dakota | $1,136 | -$210 | -15.6% |
| Tennessee | $1,178 | -$168 | -12.5% |
| Texas | $1,622 | $276 | 20.5% |
| Utah | $996 | -$350 | -26.0% |
| Vermont | $922 | -$424 | -31.5% |
| Virginia | $804 | -$542 | -40.3% |
| Washington | $1,040 | -$306 | -22.7% |
| West Virginia | $1,236 | -$110 | -8.2% |
| Wisconsin | $934 | -$412 | -30.6% |
| Wyoming | $1,200 | -$146 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKZ 4-Dr Sedan | $1,320 | $110 |
| Lincoln MKZ AWD 4-Dr Sedan | $1,346 | $112 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKZ | $270 | $574 | $510 | $1,534 |
| 2019 Lincoln MKZ | $260 | $540 | $514 | $1,494 |
| 2018 Lincoln MKZ | $248 | $484 | $520 | $1,432 |
| 2017 Lincoln MKZ | $232 | $446 | $520 | $1,378 |
| 2016 Lincoln MKZ | $224 | $418 | $524 | $1,346 |
| 2015 Lincoln MKZ | $220 | $390 | $534 | $1,324 |
| 2014 Lincoln MKZ | $202 | $362 | $534 | $1,278 |
| 2013 Lincoln MKZ | $198 | $328 | $540 | $1,246 |
| 2012 Lincoln MKZ | $184 | $300 | $534 | $1,198 |
| 2011 Lincoln MKZ | $174 | $272 | $534 | $1,160 |
| 2010 Lincoln MKZ | $168 | $246 | $530 | $1,124 |
| 2009 Lincoln MKZ | $166 | $240 | $520 | $1,106 |
| 2008 Lincoln MKZ | $162 | $228 | $510 | $1,080 |
| 2007 Lincoln MKZ | $148 | $218 | $504 | $1,050 |
Rates are averaged for all Lincoln MKZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest Lincoln MKZ Insurance
Saving money on car insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a recap of the material that was covered above.
- Policyholders who require increased liability limits will pay approximately $580 annually to increase from a minimum limit to a 250/500 level
- Drivers under the age of 20 pay higher rates, costing up to $442 per month if full coverage is included
- Higher risk drivers that have major violations or accidents pay on average $1,580 more each year to insure a Lincoln MKZ
- Increasing deductibles could save as much as $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,298 |
| 20 | $3,124 |
| 30 | $1,384 |
| 40 | $1,346 |
| 50 | $1,236 |
| 60 | $1,210 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,498 |
| $500 | $1,346 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,451 |
| 100/300 | $1,582 |
| 250/500 | $1,922 |
| 100 CSL | $1,503 |
| 300 CSL | $1,791 |
| 500 CSL | $2,001 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,518 |
| 20 | $4,986 |
| 30 | $2,968 |
| 40 | $2,928 |
| 50 | $2,798 |
| 60 | $2,772 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $56 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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