Lincoln MKZ Insurance Rates

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Luke Williams

Insurance and Finance Writer

Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications.  His insurance and finance writing has been featured on Spoxor, The Good Men Proje...

Insurance and Finance Writer

UPDATED: May 5, 2023

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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:

Comprehensive $248
Collision $484
Liability $520

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

For a driver in their 40's, Lincoln MKZ insurance rates go from the low end price of $576 for your basic liability-only policy to a high of $3,120 for a high-risk driver policy.

Liability Only $576
Full Coverage $1,432
High Risk $3,120

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.

Rural Areas $1,074
Small Cities $1,504
Large Cities $1,933

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Lincoln MKZ insurance cost comparison chart
Column chart showing full coverage Lincoln MKZ insurance rates range from $829 to $5,572

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.

Lincoln MKZ Insurance Rates by State
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%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

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

Lincoln MKZ Insurance Rates by Model and Trim Level
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 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.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Lincoln MKZ $248 $484 $520 $1,432
2013 Lincoln MKZ $224 $418 $524 $1,346
2012 Lincoln MKZ $220 $390 $534 $1,324
2011 Lincoln MKZ $202 $362 $534 $1,278
2010 Lincoln MKZ $198 $328 $540 $1,246
2009 Lincoln MKZ $184 $300 $534 $1,198
2008 Lincoln MKZ $174 $272 $534 $1,160
2007 Lincoln MKZ $168 $246 $530 $1,124

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 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

Rates by Driver Age

Lincoln MKZ Insurance 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

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,758
$250 $1,606
$500 $1,432
$1,000 $1,268

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
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

Lincoln MKZ Insurance 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.

SR-22 Surcharge $203

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
Rate after discounts $829

Discounts are estimated and may not be available from every company or in every state.

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