Compare Lincoln MKZ Car Insurance Rates [2023]
If you want to buy cheap Lincoln MKZ insurance coverage then you should know that 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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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 7, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 7, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Lincoln MKZ is classified as a luxury sedan
- The price range for this car is much lower than you would expect from a luxury sedan
- However, the insurance rates for this vehicle can still be quite high
- Research and find out the best ways to get a great deal on your car insurance
- The average annual cost of Lincoln MKZ car insurance is $1,300
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. Good drivers save up to $675 a year in policy discounts by practicing safe driving habits. 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 Chevrolet Malibu, Chevrolet Cruze, and Hyundai Elantra.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Hyundai Elantra | $280 | $562 | $372 | $1,372 |
| Audi A3 | $282 | $566 | $398 | $1,404 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
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
Older Lincoln MKZ models generally cost less to insure. 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 |
Driver Age
Driver age can have a significant impact on Lincoln MKZ auto insurance rates. As an example, a 40-year-old driver could pay $173 less each month for their Lincoln MKZ auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on Lincoln MKZ insurance rates. For example, drivers in Phoenix may pay $900 a year less than drivers in Los Angeles.
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 sees 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 influenced by 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 | |
Lincoln MKZ Crash Test Ratings
Not only do good Lincoln MKZ crash test ratings mean you are better protected in a crash, but good Lincoln MKZ crash ratings also mean cheaper 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 Lincoln MKZ’s insurance loss probability varies between different coverage types. The lower percentage means lower Lincoln MKZ auto insurance costs; higher percentages mean higher Lincoln MKZ auto insurance costs.
| 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, you will pay more if you purchase Lincoln MKZ car insurance at the dealership, so be sure to shop around and compare Lincoln MKZ car insurance quotes 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
- Take Advantage of Referral Fees
- Consider Using a Tracking Device on Your Lincoln MKZ
- Improve Your Credit Score
- Watch Your Insurer Closely When Your Lincoln MKZ Needs Repairs
- Buy a Lincoln MKZ with an Anti-Theft Device
Top Lincoln MKZ Insurance Companies
Several insurance companies offer competitive rates for the Lincoln MKZ based on factors like discounts for safety features. Take a look at these top car 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
You will find that your insurance rates for your Lincoln MKZ will vary depending on a variety of factors. Read the following article and see how you can lower your auto insurance rates with a local insurance company.
Enter your ZIP code above now and get your FREE car insurance quotes for a Lincoln MKZ right now!
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How does the Lincoln MKZ compare in annual car insurance rates?
Data shows that the Lincoln MKZ is fairly comparable to the Ford Fusion and the Mazda 6.
The total cost of ownership statistics from Intellichoice for the Lincoln MKZ show an estimated annual cost of just over $1,300. Keep in mind that this number is only applicable to the gasoline-powered MKZ. Lincoln makes a hybrid version of this vehicle that has higher average rates.
Keep in mind that this number is only applicable to the gasoline-powered MKZ.
Lincoln makes a hybrid version of this vehicle that has higher average rates. At $1,300 annually, the cost of car insurance represents approximately 12 percent of the total cost of ownership. This is good news on two fronts.
First of all, it’s generally accepted in the industry that insurance should not exceed 18 to 20 percent of the total cost of ownership, so 12 percent for this car is actually very good.
Secondly, our 12 percent calculation only applies to the first year of ownership while the total cost is in the neighborhood of $11,000.
What Lincoln MKZ features will affect my car insurance cost?
The safety features are very important when an insurance company determines premiums. The age of your Lincoln MKZ will impact what the safety ratings and features are going to be.
A brand new Lincoln MKZ has several features including:
- AdvanceTrac
- Anti-lock brakes
- Blind spot information system
The 2007 to 2010 models all have the six standard air bags. The 2009-2011 MKZ models all have the maximum ratings for rear end collision.
However, in front impact tests the 2007 to 2009 models have average ratings, 2010 to 2011 have maximum ratings, and all Lincoln MKZs that are older than 2007 have marginal ratings.
These ratings also apply to roof strength for the MKZ 2007. After 2007 the steel cage was introduced to the Lincoln MKZ which accounts for the higher safety ratings.
What about safety ratings and car insurance rates?
Safety ratings certainly play a role in determining how much you will pay for car insurance. This is especially true when it comes to minimum liability coverage and bodily injury.
Since car insurance companies must provide coverage for injuries sustained by passengers, the safer a vehicle is the better it is for your rates.
Conversely, a vehicle that is deemed less safe presents the insurance company with the potential of having to pay out more in bodily injury insurance claims.
According to Edmunds, the Insurance Institute for Highway Safety (IIHS) rated the 2012 Lincoln MKZ and reported good results.
The IIHS gave the vehicle a good (G) rating for the following four categories:
- Front impact
- Side impact
- Rear impact/head restraint
- Roof strength
In achieving such high ratings, Lincoln has demonstrated that its MKZ is a very safe vehicle for both drivers and passengers.
Another typical source of crash test safety ratings is the National Highway Traffic Safety Administration (NHTSA). Unfortunately, there is no data to glean from them because they have not tested the Lincoln MKZ for the 2011 or 2012 model years.
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How can I lower my Lincoln MKZ car insurance cost?
If you want to lower your auto insurance rates then you need to take advantage of any discounts offered by your insurance company.
These can include:
- Purchasing multiple policies from the same company
- Investing in anti-theft devices
- Choosing a higher deductible
- Taking defensive driving courses
You can also save money by maintaining a good driving record, keeping low mileage on your car, and shopping around for car insurance rates
How can I make my car insurance company lower my insurance cost?
Some insurance companies are very flexible when it comes to their established customers. If you are happy with your insurance company but aren’t sure about the rates that they are charging, especially if they haven’t gone down over the years, then you should call them.
If you are happy with your insurance company but aren’t sure about the rates that they are charging, especially if they haven’t gone down over the years, then you should call them.
If you have a good driving record and no claims, then you should be able to negotiate on your rates.
If you get a car insurance quote from other companies before you call your insurance company, then you can use those quoted lower rates to negotiate.
For example, Progressive is known for their great customer service and fast paying claims.
However, if you are paying $140 a month at Progressive and are quoted $120 a month from another company you need to decide if a service you rarely use is worth an additional $20 a month.
If your insurance company won’t work with you, switch to a new company.
Enter your ZIP code below right now to compare Lincoln MKZ insurance quotes for FREE!
Frequently Asked Questions
How can I compare insurance rates for a Lincoln MKZ?
Comparing insurance rates for a Lincoln MKZ can be done by following these steps:
- Collect information: Gather details about your Lincoln MKZ, including its year, make, and model.
- Research insurance providers: Look for insurance companies that offer coverage in your area.
- Obtain quotes: Contact insurance providers or use online platforms to request quotes for your Lincoln MKZ.
- Provide accurate information: Ensure that you provide accurate details about yourself, your vehicle, and your desired coverage levels.
- Compare rates: Review the quotes received and compare the coverage options and premium rates offered by different insurance providers.
- Consider additional factors: Take into account the insurer’s reputation, customer service, and any discounts or benefits they offer.
- Make an informed decision: Choose an insurance provider that offers the best coverage at a competitive rate for your Lincoln MKZ.
What factors can affect insurance rates for a Lincoln MKZ
Several factors can influence insurance rates for a Lincoln MKZ, including:
- Your location: Insurance rates can vary based on where you live due to factors like crime rates, accident statistics, and local regulations.
- Driving record: Your past driving history, including any accidents or traffic violations, can impact your insurance rates.
- Age and experience: Younger, inexperienced drivers may face higher rates compared to older, more experienced drivers.
- Vehicle specifications: Factors such as the model year, engine size, safety features, and theft deterrent systems of your Lincoln MKZ can influence insurance costs.
- Annual mileage: The number of miles you drive annually can affect your insurance rates, as higher mileage may increase the risk of accidents.
- Credit history: In some regions, insurance companies consider credit history when determining rates.
- Insurance coverage and deductibles: The level of coverage you choose and the deductibles you set can impact your premiums.
Are there any discounts available for insuring a Lincoln MKZ?
Yes, insurance providers often offer various discounts that may be applicable to insuring a Lincoln MKZ. Common discounts include:
- Multi-policy discount: Insuring your Lincoln MKZ and other policies (e.g., home insurance) with the same provider can lead to discounted rates.
- Safe driver discount: Maintaining a good driving record with no accidents or traffic violations may qualify you for lower premiums.
- Anti-theft discount: Equipping your Lincoln MKZ with anti-theft devices or features can help reduce insurance costs.
- Good student discount: If you or a covered driver on your policy is a student with good grades, you may be eligible for a discount.
- Low mileage discount: If you drive fewer miles annually, you may qualify for a discount as the risk of accidents decreases.
- Loyalty discount: Some insurance companies offer discounts for long-term policyholders or for renewing your policy with them.
Can I get an estimate of insurance rates for a Lincoln MKZ without providing personal information?
While it’s possible to get a general idea of insurance rates for a Lincoln MKZ without providing personal information, obtaining accurate quotes usually requires providing specific details about yourself and the vehicle. Insurance rates are determined by multiple factors, including those unique to you, so personalized information is necessary for an accurate estimate.
Are Lincoln MKZs generally expensive to insure?
The cost of insuring a Lincoln MKZ can vary based on several factors, including those mentioned earlier (such as location, driving record, and vehicle specifications). It’s best to obtain quotes from insurance providers to get an accurate understanding of the insurance costs for your specific Lincoln MKZ. Insurance rates can vary between individuals and insurance companies, so comparing quotes is essential to find the best coverage at a competitive rate for your Lincoln MKZ.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.