Lincoln MKZ Insurance Rates

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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...

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Written by Luke Williams
Insurance and Finance Writer Luke Williams

UPDATED: Sep 6, 2022

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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 $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing around $3,120. Teen drivers receive the highest rates at $5,572 a year or more.

Average premium for full coverage: $1,432

Rate estimates by individual coverage type:

Comprehensive $248
Collision $484
Liability $520

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and MKZ trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $576 for only liability insurance to a high of $3,120 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $829
  • Drivers who choose higher $1,000 deductibles will pay around $1,268 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,432
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,758
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,120 or more
  • The cost for full coverage for a teen driver may cost $5,572 a year

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

for a Lincoln MKZ can also vary considerably based on your driver profile, the trim level of your MKZ, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,500 a year. View Rates by Age

Where you live makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or 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

Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 Cheaper Lincoln MKZ Insurance

Saving money on Lincoln MKZ insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $570 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $464 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,690 more each year for insurance

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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