Lincoln MKZ Car Insurance [Rates + Comparison Guide]
Lincoln MKZ insurance rates cost $1,636/yr, or around $136/mo. A liability-only policy costs around $656/yr or $55/mo. Lincoln MKZ insurance costs around $117 more per year than the average vehicle. Good drivers can save as much as $2,524 a year over high-risk drivers.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 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 are $117 more expensive than the average vehicle. Full coverage for the Lincoln MKZ costs $1,636 per year or $136 per month. Teen drivers could pay up to $500 per month. Continue reading to learn how to slash down Lincoln MKZ insurance rates for teen drivers.
You can start comparing quotes for Lincoln MKZ insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Lincoln MKZ Insurance Cost
The average Lincoln MKZ insurance rates 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 Nissan Sentra, Kia Optima, and Subaru Impreza.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Infiniti Q50 | $344 | $686 | $398 | $1,586 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
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 can impact the total price you will pay for Lincoln MKZ insurance coverage.
Age of the Vehicle
The average Lincoln MKZ auto insurance rates are higher for newer models. For example, auto insurance for a 2018 Lincoln MKZ costs $1,636, while 2010 Lincoln MKZ insurance costs 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 |
Driver Age
Driver age can have a significant effect on Lincoln MKZ insurance rates. For example, 20-year-old drivers pay $2,001 more for their Lincoln MKZ auto insurance each year than 30-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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKZ auto insurance with violations on their driving record.
Lincoln MKZ Safety Ratings
Your Lincoln MKZ auto insurance rates are influenced by the Lincoln MKZ’s safety ratings. 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 | |
Lincoln MKZ Crash Test Ratings
The crash test ratings of the Lincoln MKZ can impact your Lincoln MKZ 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 | ||||
|---|---|---|---|---|
Lincoln MKZ Safety Features
Having a variety of safety features on your Lincoln MKZ can help lower your Lincoln MKZ insurance costs. 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
The lower percentage means lower Lincoln MKZ auto insurance rates; higher percentages mean higher Lincoln MKZ insurance rates. The Lincoln MKZ’s insurance loss probability varies for each form 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 | |
Lincoln MKZ Finance and Insurance Cost
When 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 insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Lincoln MKZ Insurance
Save more on your Lincoln MKZ insurance rates. Take a look at the following five strategies that will get you the best Lincoln MKZ auto insurance rates possible.
- Use a Service Like Turo to Rent Out Your Lincoln MKZ
- Consider Using a Tracking Device on Your Lincoln MKZ
- Provide Your Lincoln MKZ VIN When Requesting Lincoln MKZ Auto Insurance Quotes
- Ask for a Lincoln MKZ Discount If You Have College Degree or Higher
- Get Cheaper Lincoln MKZ Insurance Rates as a Full-Time Parent
Top Lincoln MKZ Insurance Companies
Several top auto insurance companies offer competitive rates for the Lincoln MKZ rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Lincoln MKZ drivers organized by market share.
| 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 | |||
Compare Free Lincoln MKZ Insurance Quotes Online
You can start comparing quotes for Lincoln MKZ insurance rates from some of the best auto insurance companies by using our free online tool now.