Lincoln MKZ Insurance Rates

The average insurance rates for a Lincoln MKZ are $1,432 a year for full coverage. Comprehensive costs approximately $248, collision costs $484, and liability coverage costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance 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:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

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

The example below illustrates how your location can change auto insurance prices.

The examples above show why everyone should compare prices using their specific location, rather than using 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 additional coverage and risk scenarios.

• The best discount rate is $829
• Using higher $1,000 deductibles will save $164 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,432
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,758
• Higher-risk drivers who are prone to accidents and violations could pay around $3,120 or more
• Policy cost that insures a teenage driver for full coverage can cost $5,572 or more

View Chart as Image

Auto insurance rates for a Lincoln MKZ also range considerably based on the model of your MKZ, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. Lincoln MKZ insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark 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 Iowa, Maine, and Idaho, or be forced to pay as much as $2,040 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Find the Cheapest Lincoln MKZ Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every time your policy renews by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The list below is a recap of the information illustrated above.

• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Teenagers have the highest car insurance rates, costing up to $464 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers that have major violations or accidents could be forced to pay on average $1,690 more per year for car insurance
• Consumers who purchase higher liability limits will pay an extra $570 each year to increase from a 30/60 limit to the 250/500 level