UPDATED: Jul 31, 2020
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- Full coverage costs around $1,636 a year or $136 each month
- A liability-only policy costs around $656 a year or $55 each month
- Highest rates are for teenage drivers at around $5,980 a year or $498 each month
- Good drivers can save as much as $675 a year by earning policy discounts
- Lincoln MKZ insurance costs around $117 more per year than the average vehicle
Lincoln MKZ insurance rates can be a little more expensive than average. Lincoln MKZ insurance costs around $117 more per year than the average vehicle. Read our guide for a breakdown of insurance rates for a Lincoln MKZ and savings advice.
You can start comparing quotes for Lincoln MKZ car insurance rates from some of the best car insurance companies by using our free online tool now.
Lincoln MKZ Insurance Cost
The average car insurance costs for a Lincoln MKZ are $1,636 a year or $136 a month.
Are Lincoln MKZs Expensive to Insure?
The chart below details how Lincoln MKZ insurance rates compare to other sedans like the Chevrolet Sonic, Toyota Avalon, and Chrysler 300.
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
What Impacts the Cost of Lincoln MKZ Insurance?
The Lincoln MKZ trim and model you choose will affect the total price you will pay for Lincoln MKZ insurance coverage.
Age of the Vehicle
The average Lincoln MKZ car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Lincoln MKZ are $1,636, while 2010 Lincoln MKZ rates are $1,346, a difference of $290.
|2018 Lincoln MKZ||$320||$686||$450||$1,636|
|2017 Lincoln MKZ||$308||$668||$470||$1,626|
|2016 Lincoln MKZ||$298||$640||$486||$1,604|
|2015 Lincoln MKZ||$282||$618||$500||$1,580|
|2014 Lincoln MKZ||$270||$574||$510||$1,534|
|2013 Lincoln MKZ||$260||$540||$514||$1,494|
|2012 Lincoln MKZ||$248||$484||$520||$1,432|
|2011 Lincoln MKZ||$232||$446||$520||$1,378|
|2010 Lincoln MKZ||$224||$418||$524||$1,346|
Driver age can have a significant effect on the cost of Lincoln MKZ car insurance. For example, 30-year-old drivers pay approximately $72 more for their Lincoln MKZ car insurance than 40-year-old drivers.
Where you live can have a large impact on Lincoln MKZ insurance rates. For example, drivers in Houston may pay $1,206 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on the cost of Lincoln MKZ car insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKZ car insurance with violations on their driving record.
Lincoln MKZ Safety Ratings
Your Lincoln MKZ car insurance rates are tied to the safety ratings of the Lincoln MKZ. See the breakdown below:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Not Tested|
|Source: Insurance Institute for Highway Safety|
Lincoln MKZ Crash Test Ratings
Not only do good Lincoln MKZ crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Lincoln MKZ auto insurance rates.
|2020 Lincoln MKZ HEV 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2020 Lincoln MKZ 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2020 Lincoln MKZ 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2019 Lincoln MKZ HEV 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Lincoln MKZ 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Lincoln MKZ 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2018 Lincoln MKZ HEV 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Lincoln MKZ 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Lincoln MKZ 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2017 Lincoln MKZ HEV 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Lincoln MKZ 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Lincoln MKZ 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2016 Lincoln MKZ HEV 4 DR FWD||5 stars||5 stars||4 stars||4 stars|
|2016 Lincoln MKZ 4 DR FWD||5 stars||5 stars||4 stars||4 stars|
|2016 Lincoln MKZ 4 DR AWD||5 stars||5 stars||4 stars||4 stars|
|1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration|
Lincoln MKZ Safety Features
The Lincoln MKZ safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Lincoln MKZ auto insurance rates. The Lincoln MKZ’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Lincoln MKZ Insurance Loss Probability
Another contributing factor that plays a direct role in Lincoln MKZ insurance rates is the loss probability for each type of coverage.
|Insurance Coverage Category||Loss Rate|
|Source: Insurance Institute for Highway Safety|
Lincoln MKZ Finance and Insurance Cost
If you are financing a Lincoln MKZ, most lenders will require your carry higher Lincoln MKZ coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln MKZ auto insurance rates from the best companies using our FREE tool below.
Ways to Save on Lincoln MKZ Insurance
You have more options at your disposal to save money on your Lincoln MKZ auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lincoln MKZ car insurance rates
- Pay Your Lincoln MKZ Insurance Upfront
- Never Drink and Drive Your Lincoln MKZ
- Make Sure You’re Raising a Safe Driver
- Ask About Discounts for People with Disabilities
- Spy on Your Teen Driver
Top Lincoln MKZ Insurance Companies
Who is the best auto insurance company for Lincoln MKZ insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln MKZ auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln MKZ offers.
|Source: Insurance Information Institute|
Compare Free Lincoln MKZ Insurance Quotes Online
Save on your Lincoln MKZ car insurance rates by taking advantage of our FREE comparison tool.