Lincoln MKZ Insurance Rates

The average insurance prices for a Lincoln MKZ are $1,346 every 12 months with full coverage. Comprehensive insurance costs an estimated $224, collision costs $418, and liability is estimated at $524. A liability-only policy costs approximately $580 a year, with high-risk insurance costing $2,928 or more. Teens cost the most to insure at $5,298 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all MKZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how your location can change insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $146 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,346
• Selecting pricier low deductibles for comp and collision coverage costs an extra $284 every year
• Unlucky drivers with serious driving violations could pay up to $2,928 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $5,298 each year

View Chart as Image

Car insurance rates for a Lincoln MKZ also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,300 extra every year, depending on your age. Lincoln MKZ insurance for high-risk drivers ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lincoln MKZ insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied.

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

Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following is a review of the material that was illustrated above.

• Policyholders who want higher liability limits will pay approximately $580 every year to raise limits from a 30/60 limit to a 250/500 level
• Teens have the highest car insurance rates, as much as $442 each month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $1,580 more annually for MKZ insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year