Lincoln MKZ Insurance Quotes [List of Money Saving Tips]

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 1, 2020

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Here's what you need to know...

  • 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
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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 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
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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
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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 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
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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
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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
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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 airbags. 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.

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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!

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