Lincoln MKZ Insurance [Everything You Need to Know]

If you want to buy affordable Lincoln MKZ insurance coverage then you should know that a policy will cost $136 per month ($1,636 per year) on average. Shop around to find cheap Lincoln MKZ insurance rates. On average, Lincoln MKZ comprehensive insurance coverage costs $398, collision coverage costs $582, and liability coverage costs $462.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • 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.

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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.

Vehicle Comprehensive Collision Liability Total
Lincoln MKZ $320 $686 $450 $1,636
Chevrolet Sonic $270 $536 $398 $1,362
Toyota Avalon $320 $536 $338 $1,330
Chrysler 300 $332 $626 $398 $1,514
Chevrolet Malibu $322 $532 $372 $1,384
Honda Civic $280 $656 $420 $1,536
Audi S3 $356 $744 $264 $1,474
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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.

Model Year Comprehensive Collision Liability Total
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
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Driver Age

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.

Driver Location

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:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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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.

Vehicle Tested Overall Frontal Side Rollover
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
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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
Collision 37%
Property Damage -15%
Comprehensive 7%
Personal Injury -5%
Medical Payment -11%
Bodily Injury -25%
Source: Insurance Institute for Highway Safety
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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.

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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.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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