Lincoln MKZ Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Average insurance prices for a Lincoln MKZ are $1,378 every 12 months including full coverage. Comprehensive costs approximately $232 each year, collision costs $446, and liability is estimated at $520. Buying just liability costs approximately $576 a year, with insurance for high-risk drivers costing around $2,998. 16-year-old drivers receive the highest rates at $5,396 a year or more.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Comprehensive $232
Collision $446
Liability $520

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and MKZ models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the cheapest price of $576 for a discount liability-only rate to a high rate of $2,998 for coverage for higher-risk drivers.

Liability Only $576
Full Coverage $1,378
High Risk $2,998

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These examples highlight why all drivers should get quotes using their specific location and their own driving history, instead of using rate averages.

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.

Rates by State, City, and Model

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

  • The best full coverage rate is $804
  • Choosing higher $1,000 deductibles can save $154 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,378
  • Buying low deductibles for comp and collision coverage increases the price to $1,678
  • Unlucky drivers with multiple tickets or accidents could pay around $2,998 or more
  • The cost to insure a teen driver can cost $5,396 each year

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing full coverage Lincoln MKZ insurance rates range from $804 to $5,396

Auto insurance rates for a Lincoln MKZ can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your MKZ.

Opting for high physical damage deductibles can save as much as $460 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 129% more than the average rate. View High Risk Driver Rates

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 $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$134 -9.7%
Alaska $1,056 -$322 -23.4%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,314 -$64 -4.6%
Connecticut $1,416 $38 2.8%
Delaware $1,560 $182 13.2%
Florida $1,722 $344 25.0%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $934 -$444 -32.2%
Illinois $1,026 -$352 -25.5%
Indiana $1,040 -$338 -24.5%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,390 $1,012 73.4%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,222 -$156 -11.3%
Montana $1,478 $100 7.3%
Nebraska $1,088 -$290 -21.0%
Nevada $1,652 $274 19.9%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,218 -$160 -11.6%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,128 -$250 -18.1%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,838 $460 33.4%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,658 $280 20.3%
Utah $1,018 -$360 -26.1%
Vermont $942 -$436 -31.6%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKZ 4-Dr Sedan $1,350 $113
Lincoln MKZ AWD 4-Dr Sedan $1,378 $115

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.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKZ $282 $618 $500 $1,580
2019 Lincoln MKZ $270 $574 $510 $1,534
2018 Lincoln MKZ $260 $540 $514 $1,494
2017 Lincoln MKZ $248 $484 $520 $1,432
2016 Lincoln MKZ $232 $446 $520 $1,378
2015 Lincoln MKZ $224 $418 $524 $1,346
2014 Lincoln MKZ $220 $390 $534 $1,324
2013 Lincoln MKZ $202 $362 $534 $1,278
2012 Lincoln MKZ $198 $328 $540 $1,246
2011 Lincoln MKZ $184 $300 $534 $1,198
2010 Lincoln MKZ $174 $272 $534 $1,160
2009 Lincoln MKZ $168 $246 $530 $1,124
2008 Lincoln MKZ $166 $240 $520 $1,106
2007 Lincoln MKZ $162 $228 $510 $1,080

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 Shop for the Best Lincoln MKZ Insurance

Saving money on car insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and not having any coverage lapses. Invest time comparing rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following is a brief recap of the primary concepts that were covered in the charts and tables above.

  • You may be able to save around $160 per year simply by quoting online in advance
  • Higher risk drivers who tend to receive serious violations could be charged and average of $1,620 more per year for MKZ insurance
  • Increasing deductibles could save as much as $450 each year
  • Teens have the highest car insurance rates, as much as $450 per month if comprehensive and collision insurance is included

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,396
20 $3,202
30 $1,418
40 $1,378
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,538
$500 $1,378
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,108
30 $3,044
40 $2,998
50 $2,866
60 $2,840

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.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $58
Advance Quote $66
Online Quote $96
Total Discounts $574
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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