Lincoln MKZ Insurance Rates

U.S. average insurance prices for a Lincoln MKZ are $1,378 every 12 months with full coverage. Comprehensive insurance costs an estimated $232, collision costs $446, and liability coverage costs $520. A policy with just liability insurance costs as little as $576 a year, with coverage for high-risk drivers costing $2,998 or more. Teenage drivers pay the highest rates at $5,396 a year or more.

Average premium for full coverage: $1,378

Price estimates broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below details estimated Lincoln MKZ insurance rates for other coverage scenarios.

• The best discount rate is $804
• Drivers who choose higher $1,000 deductibles will pay approximately $154 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,378
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $300 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,998 or more
• The price to insure a teenage driver with full coverage can cost as much as $5,396 a year

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Insurance prices for a Lincoln MKZ are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could save up to $460 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lincoln MKZ insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite different.

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 Shop for Low Cost Lincoln MKZ Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the data that was presented in the illustrations above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Consumers who want more liability coverage will pay an extra $570 every year to go from a low limit to a 250/500 level
• Teen drivers are charged the highest prices, costing up to $450 a month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,620 more annually to insure their MKZ