Lincoln MKZ Insurance Rates

The average insurance prices for a Lincoln MKZ are $1,378 every 12 months including full coverage. Comprehensive insurance costs around $232 a year, collision insurance costs $446, and liability coverage is $520. Buying just liability costs around $576 a year, and insurance for high-risk drivers costs $2,998 or more. Teenage drivers cost the most to insure at up to $5,396 a year.

Average premium for full coverage: $1,378

Policy rates for type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

More Rate Information

The chart below breaks down average Lincoln MKZ insurance rates for additional coverage choices and driver risks.

• The best discount rate is $804
• Raising to $1,000 deductibles will save about $1,224 every year
• The average price for a good driver age 40 using $500 deductibles is $1,378
• Using low $100 deductibles costs an extra $300 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,998
• Policy cost to insure a teenage driver can be $5,396

View Chart as Image

Insurance rates for a Lincoln MKZ also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $460 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by 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 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Low Cost Lincoln MKZ Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting early and online
• Drivers who have several accidents or serious violations could be forced to pay on average $1,620 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Youthful drivers pay higher rates, with premiums being up to $450 each month if they have full coverage