Lincoln MKZ Insurance Rates

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UPDATED: Apr 22, 2024

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The average insurance rates for a Lincoln MKZ are $1,378 a year including full coverage. Comprehensive costs an estimated $232, collision insurance costs $446, and liability coverage is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs around $2,998. Teen drivers cost the most to insure at up to $5,396 a year.

Average premium for full coverage: $1,378

Policy rates broken down by type of insurance:

Comprehensive $232
Collision $446
Liability $520

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all MKZ models.

Price Range Variability

Using a middle-aged driver as an example, Lincoln MKZ insurance rates range from the low end price of $576 for just liability insurance to the much higher price of $2,998 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,378
High Risk $2,998

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

The examples above highlight why everyone should compare rates quotes for a targeted area, rather than using price averages.

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.

More Rate Details

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

  • The lowest rate with discounts is $804
  • Raising to $1,000 deductibles will save approximately $154 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,378
  • Choosing pricier low deductibles bumps up the cost to $1,678
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,998
  • Policy cost that insures a teenage driver for full coverage can cost as much as $5,396

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance rates range from $804 to $5,396 for full coverage

Insurance rates for a Lincoln MKZ also range considerably based on the model of your MKZ, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,300 additional every year, depending on your age. Lincoln MKZ insurance for high-risk drivers is expensive and can cost around 43% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

Your home state also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,970 on average in Louisiana, New York, and Michigan.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$134 -9.7%
Alaska $1,056 -$322 -23.4%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,314 -$64 -4.6%
Connecticut $1,416 $38 2.8%
Delaware $1,560 $182 13.2%
Florida $1,722 $344 25.0%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $934 -$444 -32.2%
Illinois $1,026 -$352 -25.5%
Indiana $1,040 -$338 -24.5%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,390 $1,012 73.4%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,222 -$156 -11.3%
Montana $1,478 $100 7.3%
Nebraska $1,088 -$290 -21.0%
Nevada $1,652 $274 19.9%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,218 -$160 -11.6%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,128 -$250 -18.1%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,838 $460 33.4%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,658 $280 20.3%
Utah $1,018 -$360 -26.1%
Vermont $942 -$436 -31.6%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $460 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKZ 4-Dr Sedan $1,350 $113
Lincoln MKZ AWD 4-Dr Sedan $1,378 $115

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.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKZ $282 $618 $500 $1,580
2019 Lincoln MKZ $270 $574 $510 $1,534
2018 Lincoln MKZ $260 $540 $514 $1,494
2017 Lincoln MKZ $248 $484 $520 $1,432
2016 Lincoln MKZ $232 $446 $520 $1,378
2015 Lincoln MKZ $224 $418 $524 $1,346
2014 Lincoln MKZ $220 $390 $534 $1,324
2013 Lincoln MKZ $202 $362 $534 $1,278
2012 Lincoln MKZ $198 $328 $540 $1,246
2011 Lincoln MKZ $184 $300 $534 $1,198
2010 Lincoln MKZ $174 $272 $534 $1,160
2009 Lincoln MKZ $168 $246 $530 $1,124
2008 Lincoln MKZ $166 $240 $520 $1,106
2007 Lincoln MKZ $162 $228 $510 $1,080

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 Find the Cheapest Lincoln MKZ Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a recap of the ideas that were touched on in the above illustrations.

  • Youthful drivers are expensive to insure, with premiums being up to $450 each month if comprehensive and collision insurance is included
  • Drivers that have major violations or accidents could be charged and average of $1,620 more annually than a low-risk driver
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,396
20 $3,202
30 $1,418
40 $1,378
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,538
$500 $1,378
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,108
30 $3,044
40 $2,998
50 $2,866
60 $2,840

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.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $58
Advance Quote $66
Online Quote $96
Total Discounts $574
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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