Lincoln MKZ Insurance Cost

Auto insurance for a Lincoln MKZ will cost about $1,794 per year.

This is more than the national average for luxury sedan models by $7. 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 $6,078 $8,925 $10,441
18 $5,664 $8,317 $9,730
19 $5,006 $7,350 $8,599
20 $4,365 $6,409 $7,498
21 $3,660 $5,375 $6,287
22 $3,565 $5,234 $6,123
23 $3,119 $4,580 $5,358
24 $2,963 $4,351 $5,090
25 $2,557 $3,755 $4,393
30 $1,992 $2,925 $3,422
35 $1,866 $2,740 $3,205
40 $1,794 $2,635 $3,082
45 $1,746 $2,564 $2,999
55 $1,601 $2,351 $2,751
65 $1,670 $2,453 $2,869
75 $2,108 $3,096 $3,622

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 $1,901 $2,761 $3,515
Alaska $1,572 $2,180 $2,119
Arizona $1,778 $2,570 $3,786
Arkansas $1,949 $3,062 $3,372
California $2,170 $3,838 $2,170
Colorado $2,025 $2,834 $3,596
Connecticut $2,587 $4,013 $5,094
Delaware $2,142 $2,855 $3,667
Florida $2,550 $3,528 $4,598
Georgia $2,079 $3,109 $3,135
Hawaii $831 $1,128 $831
Idaho $1,443 $1,913 $2,326
Illinois $1,510 $2,283 $2,603
Indiana $1,552 $2,372 $2,662
Iowa $1,229 $1,686 $1,982
Kansas $1,635 $2,379 $2,783
Kentucky $2,364 $3,470 $4,098
Louisiana $3,034 $4,587 $4,973
Maine $1,147 $1,586 $2,342
Maryland $1,857 $2,703 $3,002
Massachusetts $1,489 $2,598 $1,489
Michigan $3,593 $5,476 $8,637
Minnesota $1,479 $1,972 $2,777
Mississippi $1,786 $2,547 $2,564
Missouri $1,682 $2,405 $3,160
Montana $1,711 $2,387 $2,778
Nebraska $1,446 $2,138 $2,323
Nevada $2,385 $3,538 $3,737
New Hampshire $1,659 $2,624 $3,317
New Jersey $1,828 $2,868 $3,753
New Mexico $1,867 $2,777 $2,882
New York $1,729 $2,177 $3,635
North Carolina $1,072 $1,841 $1,313
North Dakota $1,467 $2,229 $2,636
Ohio $1,308 $2,017 $2,068
Oklahoma $2,089 $2,990 $3,367
Oregon $1,900 $2,550 $3,046
Pennsylvania $1,601 $2,350 $2,750
Rhode Island $2,673 $3,921 $4,415
South Carolina $1,815 $2,515 $3,472
South Dakota $1,628 $2,347 $2,708
Tennessee $1,915 $2,819 $3,755
Texas $1,929 $2,786 $3,466
Utah $1,641 $2,299 $3,164
Vermont $1,263 $1,945 $2,056
Virginia $1,190 $1,827 $1,790
Washington $1,575 $2,138 $2,553
West Virginia $1,585 $2,269 $2,843
Wisconsin $1,580 $2,466 $2,813
Wyoming $1,475 $2,065 $2,199

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