Lincoln MKZ Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 22, 2024
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The average insurance prices for a Lincoln MKZ are $1,378 every 12 months for full coverage insurance. Comprehensive insurance costs on average $232, collision costs $446, and liability insurance is $520. Buying just liability costs around $576 a year, with insurance for high-risk drivers costing $2,998 or more. Teen drivers cost the most to insure at $5,396 a year or more.
Average premium for full coverage: $1,378
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different MKZ trim levels.
Price Range Variability
For a driver in their 40's, Lincoln MKZ insurance rates go from the cheapest price of $576 for your basic liability-only policy to a much higher rate of $2,998 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on 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 Information
The chart below illustrates estimated Lincoln MKZ insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $804
- Raising to $1,000 deductibles will save around $154 each year
- The average price for a good driver age 40 with $500 deductibles is $1,378
- Choosing more expensive low deductibles costs an extra $300 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,998 or more
- Policy cost to insure a teen driver with full coverage may cost $5,396
Insurance rates for a Lincoln MKZ also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your MKZ.
Choosing high deductibles can reduce rates by up to $460 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,300 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 a minimum $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates
Your home state also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,860 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Best Lincoln MKZ Insurance
Finding cheaper rates on Lincoln MKZ insurance consists of avoiding accidents and violations, having good credit, being claim-free, and bundling your home and auto policies. Invest time comparing rates every couple of years by quoting rates from direct insurance companies, and also from several local insurance agents.
The list below is a brief recap of the material that was covered in the charts and tables above.
- Drivers who require higher liability limits will pay about $570 annually to raise from a 30/60 limit to a 250/500 level
- Teenagers pay the highest rates, possibly costing $450 each month if they have full coverage
- High-risk drivers who tend to receive serious violations pay on average $1,620 more each year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $450 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,538 |
| $500 | $1,378 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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