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How to Find Cheap Lincoln MKZ Insurance Quotes

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

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 24, 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 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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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