Lincoln MKZ Insurance Cost

Auto insurance for a Lincoln MKZ will cost about $1,972 per year.

This beats the national average for luxury sedan models by $95. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a MKZ.

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

These Lincoln MKZ insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Lincoln MKZ Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,678 $9,947 $11,758
18 $6,224 $9,270 $10,958
19 $5,500 $8,192 $9,684
20 $4,796 $7,143 $8,444
21 $4,022 $5,990 $7,081
22 $3,917 $5,834 $6,896
23 $3,427 $5,105 $6,034
24 $3,256 $4,850 $5,733
25 $2,810 $4,185 $4,947
30 $2,189 $3,260 $3,854
35 $2,050 $3,053 $3,609
40 $1,972 $2,937 $3,471
45 $1,918 $2,858 $3,378
55 $1,759 $2,621 $3,098
65 $1,835 $2,734 $3,232
75 $2,316 $3,450 $4,079

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 $2,089 $2,926 $3,662
Alaska $1,728 $2,517 $2,637
Arizona $1,953 $3,030 $4,321
Arkansas $2,142 $3,244 $3,629
California $2,385 $4,171 $2,385
Colorado $2,225 $3,081 $3,843
Connecticut $2,843 $4,395 $5,630
Delaware $2,354 $3,240 $4,302
Florida $2,802 $3,806 $4,962
Georgia $2,285 $3,521 $3,613
Hawaii $913 $1,260 $913
Idaho $1,585 $2,134 $2,656
Illinois $1,660 $2,453 $2,845
Indiana $1,705 $2,664 $3,109
Iowa $1,350 $2,026 $2,361
Kansas $1,797 $2,645 $3,133
Kentucky $2,597 $3,907 $4,595
Louisiana $3,334 $5,096 $5,486
Maine $1,261 $1,691 $2,468
Maryland $2,040 $2,991 $3,533
Massachusetts $1,636 $2,767 $1,636
Michigan $3,948 $5,936 $9,127
Minnesota $1,625 $2,183 $3,232
Mississippi $1,962 $2,964 $3,131
Missouri $1,849 $2,546 $3,293
Montana $1,880 $2,941 $3,244
Nebraska $1,589 $2,249 $2,559
Nevada $2,621 $3,956 $4,340
New Hampshire $1,823 $2,938 $3,742
New Jersey $2,009 $3,167 $4,085
New Mexico $2,051 $2,952 $3,315
New York $1,900 $2,474 $3,994
North Carolina $1,178 $1,901 $1,465
North Dakota $1,612 $2,481 $3,149
Ohio $1,437 $2,350 $2,435
Oklahoma $2,295 $3,446 $3,908
Oregon $2,088 $3,154 $3,618
Pennsylvania $1,759 $2,660 $3,053
Rhode Island $2,937 $4,506 $5,154
South Carolina $1,994 $2,886 $4,118
South Dakota $1,789 $2,462 $2,954
Tennessee $2,104 $3,148 $3,972
Texas $2,119 $3,119 $3,915
Utah $1,803 $2,607 $3,595
Vermont $1,388 $2,219 $2,426
Virginia $1,307 $1,969 $2,091
Washington $1,731 $2,600 $3,066
West Virginia $1,741 $2,536 $3,131
Wisconsin $1,736 $2,534 $3,078
Wyoming $1,621 $2,381 $2,662

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: