Lincoln MKZ Car Insurance [Rates + Comparison Guide]

Lincoln MKZ insurance rates cost $1,636/yr, or around $136/mo. A liability-only policy costs around $656/yr or $55/mo. Lincoln MKZ insurance costs around $117 more per year than the average vehicle. Good drivers can save as much as $2,524 a year over high-risk drivers.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 are $117 more expensive than the average vehicle. Full coverage for the Lincoln MKZ costs $1,636 per year or $136 per month. Teen drivers could pay up to $500 per month. Continue reading to learn how to slash down Lincoln MKZ insurance rates for teen drivers.

You can start comparing quotes for Lincoln MKZ insurance rates from some of the best auto insurance companies by using our free online tool now.

Lincoln MKZ Insurance Cost

The average Lincoln MKZ insurance rates 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 Nissan Sentra, Kia Optima, and Subaru Impreza.

Vehicle Comprehensive Collision Liability Total
Lincoln MKZ $320 $686 $450 $1,636
Nissan Sentra $254 $570 $390 $1,372
Kia Optima $322 $532 $420 $1,454
Subaru Impreza $320 $542 $390 $1,410
Volkswagen Passat $332 $600 $390 $1,480
Infiniti Q50 $344 $686 $398 $1,586
Honda Civic $280 $656 $420 $1,536
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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

The average Lincoln MKZ auto insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant effect on Lincoln MKZ 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.

Driver Location

Where you live can have a large impact on Lincoln MKZ insurance rates. For example, drivers in Houston may pay $1,206 a year more than drivers in Columbus.

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 auto insurance with violations on their driving record.

Lincoln MKZ Safety Ratings

Your Lincoln MKZ auto insurance rates are influenced by the Lincoln MKZ’s safety ratings. 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

The crash test ratings of the Lincoln MKZ can impact your Lincoln MKZ 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 lower percentage means lower Lincoln MKZ auto insurance rates; higher percentages mean higher Lincoln MKZ insurance rates. The Lincoln MKZ’s insurance loss probability varies for each form 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
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Lincoln MKZ Finance and Insurance Cost

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 insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Lincoln MKZ Insurance

Save more on your Lincoln MKZ insurance rates. Take a look at the following five strategies that will get you the best Lincoln MKZ auto insurance rates possible.

  • Use a Service Like Turo to Rent Out Your Lincoln MKZ
  • Consider Using a Tracking Device on Your Lincoln MKZ
  • Provide Your Lincoln MKZ VIN When Requesting Lincoln MKZ Auto Insurance Quotes
  • Ask for a Lincoln MKZ Discount If You Have College Degree or Higher
  • Get Cheaper Lincoln MKZ Insurance Rates as a Full-Time Parent

Top Lincoln MKZ Insurance Companies

Several top auto insurance companies offer competitive rates for the Lincoln MKZ rates based on factors like discounts for safety features. Take a look at this list of top auto 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 insurance rates from some of the best auto insurance companies by using our free online tool now.

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