Lincoln MKZ Insurance Cost

Auto insurance for a Lincoln MKZ will cost about $1,875 per year.

This beats the national average for luxury sedan models by $19. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Lincoln MKZ.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Lincoln MKZ insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Lincoln MKZ Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,351 $9,326 $10,910
18 $5,919 $8,691 $10,167
19 $5,231 $7,681 $8,985
20 $4,561 $6,697 $7,835
21 $3,825 $5,616 $6,570
22 $3,725 $5,470 $6,399
23 $3,259 $4,786 $5,599
24 $3,096 $4,547 $5,319
25 $2,672 $3,924 $4,590
30 $2,082 $3,056 $3,576
35 $1,950 $2,863 $3,349
40 $1,875 $2,753 $3,221
45 $1,825 $2,679 $3,134
55 $1,673 $2,457 $2,874
65 $1,745 $2,563 $2,998
75 $2,203 $3,235 $3,784

Lincoln MKZ car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Lincoln MKZ by state.

Lincoln MKZ Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,987 $2,885 $3,673
Alaska $1,643 $2,278 $2,214
Arizona $1,858 $2,686 $3,956
Arkansas $2,037 $3,200 $3,523
California $2,268 $4,010 $2,268
Colorado $2,116 $2,962 $3,758
Connecticut $2,704 $4,193 $5,322
Delaware $2,238 $2,983 $3,831
Florida $2,665 $3,687 $4,804
Georgia $2,173 $3,249 $3,276
Hawaii $868 $1,178 $868
Idaho $1,508 $1,999 $2,430
Illinois $1,578 $2,386 $2,720
Indiana $1,621 $2,479 $2,782
Iowa $1,284 $1,761 $2,071
Kansas $1,709 $2,486 $2,908
Kentucky $2,470 $3,626 $4,282
Louisiana $3,171 $4,793 $5,197
Maine $1,199 $1,657 $2,447
Maryland $1,940 $2,824 $3,137
Massachusetts $1,556 $2,714 $1,556
Michigan $3,755 $5,722 $9,025
Minnesota $1,546 $2,061 $2,902
Mississippi $1,866 $2,661 $2,679
Missouri $1,758 $2,514 $3,302
Montana $1,788 $2,494 $2,903
Nebraska $1,511 $2,235 $2,428
Nevada $2,492 $3,697 $3,905
New Hampshire $1,734 $2,741 $3,466
New Jersey $1,910 $2,997 $3,922
New Mexico $1,951 $2,902 $3,012
New York $1,807 $2,275 $3,798
North Carolina $1,120 $1,924 $1,372
North Dakota $1,533 $2,329 $2,755
Ohio $1,367 $2,108 $2,161
Oklahoma $2,182 $3,125 $3,518
Oregon $1,986 $2,665 $3,183
Pennsylvania $1,673 $2,456 $2,874
Rhode Island $2,793 $4,097 $4,613
South Carolina $1,897 $2,629 $3,628
South Dakota $1,702 $2,452 $2,829
Tennessee $2,001 $2,946 $3,923
Texas $2,016 $2,912 $3,622
Utah $1,714 $2,402 $3,306
Vermont $1,320 $2,033 $2,148
Virginia $1,243 $1,909 $1,871
Washington $1,646 $2,234 $2,667
West Virginia $1,656 $2,371 $2,971
Wisconsin $1,651 $2,577 $2,939
Wyoming $1,541 $2,158 $2,298

Lincoln MKZ Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Lincoln MKZ ranks for Insurance compared to other vehicles. Also check out how the MKZ stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings