Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,346 a year including full coverage. Comprehensive insurance costs approximately $224, collision insurance costs $418, and liability costs $524. A policy with just liability insurance costs as little as $580 a year, and coverage 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 by individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all MKZ models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

The ranges above highlight why everyone should compare rates using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $146 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,346
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $284 annually
• Drivers with serious driving violations could pay around $2,928
• The price that insures a 16-year-old driver for full coverage can cost $5,298 a year

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Insurance prices for a Lincoln MKZ are also quite variable based on the model of your MKZ, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Lincoln MKZ insurance for high-risk drivers can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $430 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

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 Cheap Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and possibly raising deductibles. Compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a brief summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,580 more per year to insure a Lincoln MKZ
• Drivers under the age of 20 are expensive to insure, possibly costing $442 a month if full coverage is included
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $425 each year
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date