Lincoln MKZ Insurance Rates
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UPDATED: Apr 22, 2024
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Estimated insurance prices for a Lincoln MKZ are $1,432 every 12 months with full coverage. Comprehensive insurance costs an estimated $248 a year, collision insurance costs $484, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, and high-risk coverage costs $3,120 or more. Teen drivers pay the most at up to $5,572 a year.
Average premium for full coverage: $1,432
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and MKZ trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lincoln MKZ range from the cheapest price of $576 for the bare minimum liability coverage to a high of $3,120 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.
These rate differences demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than using 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.
Additional Rate Information
The chart below details average Lincoln MKZ insurance rates for other coverage scenarios.
- The lowest rate with discounts is $829
- Drivers who choose higher $1,000 deductibles will pay approximately $1,268 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,432
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $326 each year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,120
- An auto insurance policy to insure a teenage driver can cost as much as $5,572 a year
Insurance prices for a Lincoln MKZ also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $490 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,930 on average in New York, Michigan, and Florida.
| 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% |
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 Shop for Cheaper Lincoln MKZ Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by quoting rates from direct companies, and also from your local independent and exclusive agents.
The following items are a condensed summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save approximately $170 per year just by quoting early and online
- Drivers with multiple at-fault accidents may pay on average $1,690 more annually than a driver with a clean driving record
- Increasing policy deductibles could save as much as $500 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $464 per month if they have full coverage
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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