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...
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UPDATED: Apr 22, 2024
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Average insurance prices for a Lincoln MKZ are $1,378 every 12 months including full coverage. Comprehensive costs around $232 a year, collision costs $446, and liability insurance costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $2,998. Teens receive the highest rates at $5,396 a year or more.
Average premium for full coverage: $1,378
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and MKZ trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $576 for your basic liability-only policy to a high of $2,998 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and their own driving history, rather than relying on 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.
More Rate Information
The chart below breaks down estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $804
- Drivers who choose higher $1,000 deductibles will pay about $1,224 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,378
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,678
- High risk drivers with serious driving violations could pay at least $2,998 or more
- The cost to insure a teen driver can be $5,396 a year
Auto insurance rates for a Lincoln MKZ can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $460 each year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,970 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different.
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 Cheap Lincoln MKZ Insurance
Saving money on Lincoln MKZ insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a brief summary of the ideas that were touched on in this article.
- Drivers age 20 and younger are expensive to insure, as much as $450 per month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,620 more every year to buy Lincoln MKZ insurance
- Increasing deductibles could save as much as $450 each year
- You may be able to save up to $160 per year simply by quoting early and online
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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