Lincoln MKZ Insurance Rates

The average auto insurance rates for a Lincoln MKZ are $1,346 annually including full coverage. Comprehensive insurance costs approximately $224 a year, collision insurance costs $418, and liability coverage costs around $524. Liability-only coverage costs as low as $580 a year, and high-risk coverage costs $2,928 or more. Teenage drivers cost the most to insure at up to $5,298 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKZ trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below breaks down average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Using higher $1,000 deductibles will save $1,200 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Using low $100 deductibles for physical damage coverage costs an additional $284 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,928
• Policy cost with full coverage for a teenage driver can cost $5,298 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $430 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln MKZ insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

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 Buy Cheap Lincoln MKZ Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief summary of the data that was presented in the illustrations above.

• You may be able to save around $160 per year just by quoting early and online
• Consumers who purchase increased levels of liability coverage will pay an extra $580 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $442 each month if they have full coverage
• Drivers that tend to have accidents or serious violations may have to pay on average $1,580 more per year to buy Lincoln MKZ insurance