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Lincoln MKZ insurance rates cost $117 more per year than the average vehicle. Full coverage costs $1,636 per year or $136 per month. Continue reading to learn how to save $675 per year on Lincoln MKZ insurance rates.
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.
Table of Contents
The average Lincoln MKZ auto insurance costs are $1,636 a year or $136 a month.
The chart below details how Lincoln MKZ insurance rates compare to other sedans like the Chevrolet Cruze, Honda Accord, and Volkswagen Passat.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Honda Accord | $280 | $500 | $372 | $1,310 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| Audi S3 | $356 | $744 | $264 | $1,474 |
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
The Lincoln MKZ trim and model you choose can impact the total price you will pay for Lincoln MKZ insurance coverage.
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 can have a significant effect on Lincoln MKZ auto 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.
Where you live can have a large impact on Lincoln MKZ insurance rates. For example, drivers in Jacksonville may pay $981 a year more than drivers in Indianapolis.
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 rates with violations on their driving record.
Your Lincoln MKZ auto insurance rates are tied to 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 can impact your Lincoln MKZ auto insurance rates. See Lincoln MKZ crash test results below:
| 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 | ||||
|---|---|---|---|---|
The safety features of the Lincoln MKZ can impact your Lincoln MKZ auto insurance rates. The Lincoln MKZ has the following safety features:
The lower percentage means lower Lincoln MKZ auto insurance rates; higher percentages mean higher Lincoln MKZ auto insurance rates. Insurance loss probability on the Lincoln MKZ fluctuates between 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 | |
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 auto insurance rates from the best companies using our FREE tool below.
If you want to reduce the cost of your Lincoln MKZ insurance rates, follow these tips below:
The best auto insurance companies for Lincoln MKZ auto insurance rates will offer competitive rates, discounts, and account for the Lincoln MKZ’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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 | |||
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.
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