Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,432 a year for full coverage. Comprehensive costs on average $248 a year, collision costs $484, and liability insurance costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing around $3,120. Teenage drivers cost the most to insure at $5,572 a year or more.

Average premium for full coverage: $1,432

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above show why it is important to compare prices based on a specific location, rather than relying on average rates.

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

More Rate Information

The chart below shows estimated Lincoln MKZ insurance rates for different risk profiles and scenarios.

• The best discount rate is $829
• Using higher $1,000 deductibles will save around $1,268 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,432
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,758
• Drivers who are prone to accidents and violations could pay upwards of $3,120 or more
• Policy cost that insures a teen driver may cost $5,572 or more

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on the trim level of your MKZ, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,040 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Low Cost Lincoln MKZ Insurance

Finding cheaper rates on Lincoln MKZ insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices every time your policy renews by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a review of the information covered in the charts and tables above.

• Drivers can save as much as $170 per year simply by quoting early and online
• Youthful drivers pay higher rates, costing up to $464 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,690 more each year than a low-risk driver
• Drivers who require more liability protection will pay an extra $570 each year to increase from a 30/60 limit to the 250/500 level