Lincoln MKZ Insurance Rates

Average insurance rates for a Lincoln MKZ are $1,346 a year for full coverage insurance. Comprehensive costs an estimated $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 around $2,928. Teenage drivers receive the highest rates at up to $5,298 a year.

Average premium for full coverage: $1,346

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different MKZ trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,346
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,630
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,928
• The cost that insures a teen driver with full coverage can cost as much as $5,298 a year

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Insurance rates for a Lincoln MKZ can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Where you live makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $430 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $471 more each 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 the Best Lincoln MKZ Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the ideas that were covered above.

• 16 to 18-year-old drivers are expensive to insure, costing up to $442 per month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,580 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $425 each year
• It is possible to save approximately $160 per year just by shopping early and online