Best Lincoln MKZ Car Insurance Quotes (2023)
Lincoln MKZ insurance rates will cost $136 per month on average, with 2013 Lincoln MKZ insurance costs $124 per month. A liability-only policy costs around $656 a year or $55 each month. Good drivers can save up to $675 a year on these costs by earning discounts.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: May 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 average around $117 more than the average vehicle, with full coverage costing on average $1,636 a year or $136 a month. Older vehicles may need liability-only coverage which averages $656 a year or $55 a month. Let’s take a look at Lincoln MKZ insurance rates, crash test ratings, and more.
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 Lincoln MKZ car insurance costs 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 Buick Regal, Cadillac ATS, and Toyota Corolla.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Chevrolet Impala | $280 | $532 | $372 | $1,342 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
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 car insurance coverage.
Age of the Vehicle
Older Lincoln MKZ models generally cost less to insure. 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 impact on the cost of Lincoln MKZ auto insurance. For example, 20-year-old drivers pay approximately $2,001 each year for their Lincoln MKZ auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Lincoln MKZ insurance rates. For example, drivers in Los Angeles may pay $606 a year more than drivers in Philadelphia.
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 car insurance with violations on their driving record.
Lincoln MKZ Safety Ratings
The Lincoln MKZ’s safety ratings will affect your Lincoln MKZ car insurance rates. See the chart 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
Good Lincoln MKZ crash test ratings mean the VW is safer, which could mean cheaper Lincoln MKZ car 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
The numerous safety features of the Lincoln MKZ help contribute to lower insurance rates. The 2020 Lincoln MKZ has the following safety features:
- 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 affects Lincoln MKZ car 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 | |
Lincoln MKZ Finance and Insurance Cost
If you are financing a Lincoln MKZ, most lenders will require your carry higher Lincoln MKZ coverages including comprehensive coverage, so be sure to compare Lincoln MKZ car 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 car insurance costs. For example, try these five tips:
- Wait Six Years for Accidents to Disappear from Your Record
- Ask for a Higher Deductible for Your Lincoln MKZ Insurance Policy
- Ask About Welcome Discounts
- Renew Your Lincoln MKZ Insurance Coverage to Avoid Lapses
- Pay Your Lincoln MKZ Insurance Upfront
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 | |||
Compare Free Lincoln MKZ Insurance Quotes Online
To start comparing Lincoln MKZ car insurance quotes for free, use our online car insurance comparison tool.
Frequently Asked Questions
What factors affect the cost of Lincoln MKZ car insurance?
Several factors affect the cost of Lincoln MKZ car insurance, including the driver’s age and driving history, the vehicle’s age and value, the coverage options chosen, and the location where the vehicle is registered.
What type of coverage should I consider for my Lincoln MKZ car insurance?
The coverage options you choose will depend on your individual needs and budget. However, it is recommended to consider liability coverage, collision coverage, and comprehensive coverage for your Lincoln MKZ car insurance.
How can I lower the cost of my Lincoln MKZ car insurance?
You can lower the cost of your Lincoln MKZ car insurance by increasing your deductibles, maintaining a clean driving record, choosing a higher credit score, bundling your car insurance with other policies, and shopping around for the best insurance rates.
Are there any safety features of the Lincoln MKZ that could lower my insurance rates?
Yes, safety features such as anti-lock brakes, airbags, and electronic stability control can help lower your insurance rates. Additionally, some insurance providers offer discounts for safety features such as automatic emergency braking, blind spot detection, and lane departure warning systems.
How do I find the best Lincoln MKZ car insurance?
To find the best Lincoln MKZ car insurance, you can compare rates and coverage options from multiple insurance providers. You can also read reviews and ratings of insurance companies and speak to insurance agents to help you make an informed decision.
Can I add additional drivers to my Lincoln MKZ car insurance policy?
Yes, you can add additional drivers to your Lincoln MKZ car insurance policy. However, the cost of your insurance may increase depending on the additional driver’s age and driving history.
Is it necessary to have comprehensive coverage for my Lincoln MKZ car insurance?
Comprehensive coverage is not required by law, but it can provide additional protection for your vehicle from non-collision incidents such as theft, vandalism, or natural disasters. It is recommended to consider comprehensive coverage to fully protect your investment.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.