Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,346 annually for full coverage insurance. Comprehensive insurance costs an estimated $224, collision costs $418, and liability coverage is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage costing $2,928 or more. Teenage drivers cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save approximately $146 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,346
• Using more expensive low deductibles for comp and collision coverage costs an additional $284 each year
• Drivers who are prone to accidents and violations could pay up to $2,928 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,298 each year

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2014 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 Buy the Best Lincoln MKZ Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief recap of the data covered in the above illustrations.

• Consumers who want higher liability limits will pay an extra $580 annually to raise limits from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Teens are expensive to insure, possibly costing $442 each month if they have full coverage