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 insurance costs around $232, collision costs $446, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing $2,998 or more. Teens cost the most to insure at $5,396 a year or more.

Average premium for full coverage: $1,378

Policy rates for type of insurance:

Comprehensive $232
Collision $446
Liability $520

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

Price Range Variability

For a 40-year-old driver, Lincoln MKZ insurance rates go from the low end price of $576 for basic 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

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

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

The examples above highlight why everyone should get quotes for a specific zip code, instead of making a decision based 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.

Rate Comparisons

The chart below breaks down estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $804
  • Choosing higher $1,000 deductibles can save about $154 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,378
  • Selecting pricier low deductibles for comp and collision coverage will cost an additional $300 annually
  • Higher-risk drivers with serious driving violations could pay at least $2,998 or more
  • Policy cost that insures a 16-year-old driver for full coverage can be $5,396 each year

View Chart as Image

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

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,300 in extra premium every year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges from 43% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 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.

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 higher comprehensive and collision insurance deductibles can save as much as $460 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates will be varied.

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 Cheaper Lincoln MKZ Insurance

Finding cheaper rates on insurance for a Lincoln MKZ takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the ideas that were illustrated above.

  • Drivers age 16 to 20 are expensive to insure, with premiums being up to $450 each month if the policy includes full coverage
  • Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,620 more every year than a safer driver
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • You may be able to save up to $160 per year simply 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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