Lincoln MKZ Insurance Rates
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UPDATED: Apr 22, 2024
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U.S. average insurance rates for a Lincoln MKZ are $1,432 a year for full coverage. Comprehensive insurance costs around $248 a year, collision insurance costs $484, and liability coverage is estimated at $520. Liability-only insurance costs approximately $576 a year, and high-risk driver insurance costs $3,120 or more. 16-year-old drivers pay the highest rates at up to $5,572 a year.
Average premium for full coverage: $1,432
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and MKZ trim levels.
Price Range from Low to High
For a driver in their 40's, Lincoln MKZ insurance prices range from the low end price of $576 for basic liability insurance to a high of $3,120 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.
The ranges above show why it is important to get quotes for a specific zip code, rather than using rate averages.
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 shows average Lincoln MKZ insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $829
- Choosing higher $1,000 deductibles can save about $1,268 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,432
- Buying low $100 deductibles for comp and collision coverage will cost an additional $326 each year
- Drivers with multiple tickets or accidents could pay at least $3,120
- The price that insures a teenage driver can be $5,572 each year
Car insurance prices for a Lincoln MKZ are also quite variable based on the trim level of your MKZ, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lincoln MKZ insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,040 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$138 | -9.6% |
| Alaska | $1,098 | -$334 | -23.3% |
| Arizona | $1,190 | -$242 | -16.9% |
| Arkansas | $1,432 | -$0 | 0.0% |
| California | $1,632 | $200 | 14.0% |
| Colorado | $1,366 | -$66 | -4.6% |
| Connecticut | $1,472 | $40 | 2.8% |
| Delaware | $1,622 | $190 | 13.3% |
| Florida | $1,794 | $362 | 25.3% |
| Georgia | $1,324 | -$108 | -7.5% |
| Hawaii | $1,028 | -$404 | -28.2% |
| Idaho | $970 | -$462 | -32.3% |
| Illinois | $1,068 | -$364 | -25.4% |
| Indiana | $1,082 | -$350 | -24.4% |
| Iowa | $968 | -$464 | -32.4% |
| Kansas | $1,360 | -$72 | -5.0% |
| Kentucky | $1,954 | $522 | 36.5% |
| Louisiana | $2,122 | $690 | 48.2% |
| Maine | $884 | -$548 | -38.3% |
| Maryland | $1,182 | -$250 | -17.5% |
| Massachusetts | $1,144 | -$288 | -20.1% |
| Michigan | $2,486 | $1,054 | 73.6% |
| Minnesota | $1,200 | -$232 | -16.2% |
| Mississippi | $1,716 | $284 | 19.8% |
| Missouri | $1,270 | -$162 | -11.3% |
| Montana | $1,538 | $106 | 7.4% |
| Nebraska | $1,130 | -$302 | -21.1% |
| Nevada | $1,720 | $288 | 20.1% |
| New Hampshire | $1,034 | -$398 | -27.8% |
| New Jersey | $1,602 | $170 | 11.9% |
| New Mexico | $1,268 | -$164 | -11.5% |
| New York | $1,510 | $78 | 5.4% |
| North Carolina | $826 | -$606 | -42.3% |
| North Dakota | $1,174 | -$258 | -18.0% |
| Ohio | $988 | -$444 | -31.0% |
| Oklahoma | $1,472 | $40 | 2.8% |
| Oregon | $1,312 | -$120 | -8.4% |
| Pennsylvania | $1,366 | -$66 | -4.6% |
| Rhode Island | $1,912 | $480 | 33.5% |
| South Carolina | $1,298 | -$134 | -9.4% |
| South Dakota | $1,208 | -$224 | -15.6% |
| Tennessee | $1,252 | -$180 | -12.6% |
| Texas | $1,726 | $294 | 20.5% |
| Utah | $1,058 | -$374 | -26.1% |
| Vermont | $982 | -$450 | -31.4% |
| Virginia | $858 | -$574 | -40.1% |
| Washington | $1,106 | -$326 | -22.8% |
| West Virginia | $1,312 | -$120 | -8.4% |
| Wisconsin | $992 | -$440 | -30.7% |
| Wyoming | $1,276 | -$156 | -10.9% |
Opting for high physical damage deductibles can save as much as $490 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKZ 4-Dr Sedan | $1,404 | $117 |
| Lincoln MKZ AWD 4-Dr Sedan | $1,432 | $119 |
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 | $298 | $640 | $486 | $1,604 |
| 2019 Lincoln MKZ | $282 | $618 | $500 | $1,580 |
| 2018 Lincoln MKZ | $270 | $574 | $510 | $1,534 |
| 2017 Lincoln MKZ | $260 | $540 | $514 | $1,494 |
| 2016 Lincoln MKZ | $248 | $484 | $520 | $1,432 |
| 2015 Lincoln MKZ | $232 | $446 | $520 | $1,378 |
| 2014 Lincoln MKZ | $224 | $418 | $524 | $1,346 |
| 2013 Lincoln MKZ | $220 | $390 | $534 | $1,324 |
| 2012 Lincoln MKZ | $202 | $362 | $534 | $1,278 |
| 2011 Lincoln MKZ | $198 | $328 | $540 | $1,246 |
| 2010 Lincoln MKZ | $184 | $300 | $534 | $1,198 |
| 2009 Lincoln MKZ | $174 | $272 | $534 | $1,160 |
| 2008 Lincoln MKZ | $168 | $246 | $530 | $1,124 |
| 2007 Lincoln MKZ | $166 | $240 | $520 | $1,106 |
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
Getting lower rates on auto insurance takes having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at every policy renewal by getting quotes from direct carriers, and also from several local insurance agents.
The following items are a condensed summary of the data covered in the charts and tables above.
- Consumers who may need additional liability coverage will pay around $570 each year to raise limits from a low limit to the 250/500 level
- Drivers can save up to $170 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $500 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $464 a month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,572 |
| 20 | $3,332 |
| 30 | $1,478 |
| 40 | $1,432 |
| 50 | $1,314 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,758 |
| $250 | $1,606 |
| $500 | $1,432 |
| $1,000 | $1,268 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,432 |
| 50/100 | $1,536 |
| 100/300 | $1,666 |
| 250/500 | $2,004 |
| 100 CSL | $1,588 |
| 300 CSL | $1,874 |
| 500 CSL | $2,082 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,926 |
| 20 | $5,316 |
| 30 | $3,172 |
| 40 | $3,120 |
| 50 | $2,984 |
| 60 | $2,958 |
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 | $75 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $62 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $603 |
Discounts are estimated and may not be available from every company or in every state.
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