Lincoln MKZ 4-Dr Sedan Insurance Rates

U.S. average insurance rates for a Lincoln MKZ 4-Dr Sedan are $1,628 a year for full coverage insurance. Comprehensive costs around $340 a year, collision costs $698, and liability costs $410. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $3,538. Teenage drivers pay the highest rates at $6,030 a year or more.

Annual premium for full coverage: $1,628

Price estimates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln MKZ Trim Level

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

These price ranges illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Lincoln MKZ 4-Dr Sedan are also quite variable based on your driving record, the model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers will have to pay as much as $6,000 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKZ 4-Dr Sedan insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $700 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $369 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates may be quite different from one company to the next.

View Chart as Image

The chart estimates Lincoln MKZ 4-Dr Sedan insurance rates for different risk profiles and scenarios. The cheapest discount rate is $924. Drivers who use higher $1,000 deductibles will pay around $1,392. The average rate for a driver age 40 with no violations using $500 deductibles is $1,628. Choosing low $100 deductibles for physical damage coverage can cost as much as $2,090. Drivers with multiple violations and accidents could be charged at least $3,538. The cost for full coverage insurance for a 16-year-old driver is $6,030.

View Chart as Image