Lincoln MKZ Insurance Rates

Lincoln MKZ Insurance Rates

Auto insurance for a Lincoln MKZ will cost about $2,909 per year.

This is more than the national average for luxury sedan models by $14. 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.

$9,18118$13,482$15,772$4,14525$6,087$7,120$3,22930$4,741$5,547$2,90940$4,271$4,996$2,59655$3,812$4,459Age of DriverAge$0$2k$4k$6k$8k$10k$12k$14kGood Driver and CreditRecent At-Fault AccidentPoor Credit RatingLincoln MKZ Annual Insurance Premium
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

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Lincoln MKZ Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $9,852 $14,467 $16,924
18 $9,181 $13,482 $15,772
19 $8,114 $11,915 $13,938
20 $7,075 $10,389 $12,153
21 $5,933 $8,712 $10,192
22 $5,778 $8,485 $9,926
23 $5,056 $7,424 $8,685
24 $4,803 $7,053 $8,251
25 $4,145 $6,087 $7,120
30 $3,229 $4,741 $5,547
35 $3,024 $4,441 $5,195
40 $2,909 $4,271 $4,996
45 $2,830 $4,156 $4,862
55 $2,596 $3,812 $4,459
65 $2,708 $3,976 $4,651
75 $3,417 $5,018 $5,870

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 $3,082 $4,476 $5,697
Alaska $2,549 $3,533 $3,435
Arizona $2,882 $4,166 $6,137
Arkansas $3,159 $4,964 $5,466
California $3,518 $6,221 $3,518
Colorado $3,283 $4,594 $5,829
Connecticut $4,194 $6,505 $8,257
Delaware $3,472 $4,627 $5,943
Florida $4,134 $5,719 $7,453
Georgia $3,370 $5,040 $5,082
Hawaii $1,346 $1,828 $1,346
Idaho $2,339 $3,101 $3,770
Illinois $2,448 $3,701 $4,219
Indiana $2,515 $3,845 $4,315
Iowa $1,992 $2,732 $3,213
Kansas $2,650 $3,856 $4,510
Kentucky $3,832 $5,624 $6,642
Louisiana $4,919 $7,435 $8,062
Maine $1,860 $2,571 $3,796
Maryland $3,010 $4,381 $4,866
Massachusetts $2,414 $4,211 $2,414
Michigan $5,825 $8,876 $14,001
Minnesota $2,398 $3,197 $4,502
Mississippi $2,894 $4,128 $4,155
Missouri $2,727 $3,899 $5,122
Montana $2,773 $3,869 $4,503
Nebraska $2,344 $3,466 $3,766
Nevada $3,866 $5,735 $6,058
New Hampshire $2,689 $4,253 $5,376
New Jersey $2,963 $4,649 $6,083
New Mexico $3,026 $4,501 $4,672
New York $2,803 $3,529 $5,891
North Carolina $1,738 $2,985 $2,129
North Dakota $2,378 $3,614 $4,274
Ohio $2,120 $3,270 $3,353
Oklahoma $3,385 $4,847 $5,458
Oregon $3,081 $4,134 $4,937
Pennsylvania $2,595 $3,810 $4,458
Rhode Island $4,332 $6,355 $7,156
South Carolina $2,942 $4,078 $5,628
South Dakota $2,640 $3,804 $4,389
Tennessee $3,104 $4,570 $6,086
Texas $3,127 $4,517 $5,618
Utah $2,659 $3,727 $5,128
Vermont $2,047 $3,153 $3,333
Virginia $1,929 $2,961 $2,902
Washington $2,553 $3,465 $4,138
West Virginia $2,569 $3,679 $4,609
Wisconsin $2,561 $3,998 $4,560
Wyoming $2,391 $3,347 $3,564

Lincoln MKZ 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.

Other Lincoln MKZ Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Lincoln MKZ costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:

Lincoln MKZs For Sale

2015 Lincoln MKZ Base

2015 Lincoln MKZ Base

Mileage: 86,217
Mileage: 86,217     Price: $14,750
Location: Columbus, OH ~ 4 miles away
Dealer: Bexley Motorcar Company
Days on Market: 330
Colors (ext/int): white / black

$14,750


2018 Lincoln MKZ Select

Mileage: 20,181
Mileage: 20,181     Price: $24,995
Location: Columbus, OH ~ 5 miles away
Dealer: Drivetime West Columbus
Days on Market: 453
Colors (ext/int): Red / Brown

$24,995



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