Lincoln MKZ Insurance Rates
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UPDATED: Apr 22, 2024
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Average insurance rates for a Lincoln MKZ are $1,432 a year for full coverage. Comprehensive insurance costs around $248, collision costs $484, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing $3,120 or more. Teens receive the highest rates at $5,572 a year or more.
Average premium for full coverage: $1,432
Rate estimates for individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all MKZ models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $576 for just liability coverage to the much higher price of $3,120 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates how geographic area affects auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows estimated Lincoln MKZ insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $829
- Choosing higher $1,000 deductibles can save about $164 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,432
- Selecting pricier low deductibles for comp and collision coverage will cost an extra $326 annually
- Higher-risk drivers with serious driving violations could pay at least $3,120 or more
- The cost for full coverage for a 16-year-old driver for full coverage can be $5,572 each year
Car insurance rates for a Lincoln MKZ can also vary considerably based on your driver profile, the trim level of your MKZ, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,040 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $490 annually, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra per year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges from 43% to 132% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes can be significantly different from one company to the next.
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 Find Affordable Lincoln MKZ Insurance
Saving money on insurance for a Lincoln MKZ takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The list below is a brief review of the data presented in the illustrations above.
- Insureds who may need higher liability limits will pay approximately $570 each year to raise limits from a minimum limit to 250/500 limits
- Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $500 each year
- Teenagers are the costliest to insure, costing as high as $464 per month if full coverage is included
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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