Lincoln MKZ Insurance Cost

Auto insurance for a Lincoln MKZ will cost about $2,232 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 $7,562 $11,104 $12,990
18 $7,047 $10,348 $12,106
19 $6,228 $9,145 $10,698
20 $5,430 $7,974 $9,328
21 $4,554 $6,687 $7,823
22 $4,435 $6,512 $7,619
23 $3,881 $5,698 $6,666
24 $3,687 $5,413 $6,333
25 $3,181 $4,672 $5,465
30 $2,478 $3,639 $4,257
35 $2,321 $3,408 $3,987
40 $2,232 $3,278 $3,835
45 $2,172 $3,190 $3,732
55 $1,992 $2,926 $3,422
65 $2,078 $3,052 $3,570
75 $2,623 $3,852 $4,506

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 $2,365 $3,435 $4,373
Alaska $1,956 $2,712 $2,636
Arizona $2,212 $3,198 $4,711
Arkansas $2,425 $3,810 $4,195
California $2,700 $4,775 $2,700
Colorado $2,520 $3,526 $4,474
Connecticut $3,219 $4,993 $6,337
Delaware $2,665 $3,552 $4,562
Florida $3,173 $4,390 $5,720
Georgia $2,587 $3,868 $3,900
Hawaii $1,033 $1,403 $1,033
Idaho $1,795 $2,380 $2,893
Illinois $1,879 $2,840 $3,239
Indiana $1,931 $2,951 $3,312
Iowa $1,529 $2,097 $2,466
Kansas $2,034 $2,960 $3,462
Kentucky $2,941 $4,317 $5,098
Louisiana $3,775 $5,707 $6,188
Maine $1,428 $1,973 $2,913
Maryland $2,310 $3,362 $3,735
Massachusetts $1,853 $3,232 $1,853
Michigan $4,471 $6,813 $10,746
Minnesota $1,840 $2,454 $3,455
Mississippi $2,222 $3,169 $3,189
Missouri $2,093 $2,993 $3,932
Montana $2,128 $2,970 $3,457
Nebraska $1,799 $2,661 $2,890
Nevada $2,967 $4,402 $4,650
New Hampshire $2,064 $3,264 $4,126
New Jersey $2,274 $3,568 $4,669
New Mexico $2,323 $3,455 $3,586
New York $2,151 $2,709 $4,522
North Carolina $1,334 $2,291 $1,634
North Dakota $1,825 $2,774 $3,280
Ohio $1,627 $2,510 $2,573
Oklahoma $2,598 $3,720 $4,189
Oregon $2,365 $3,173 $3,789
Pennsylvania $1,992 $2,924 $3,421
Rhode Island $3,325 $4,878 $5,493
South Carolina $2,258 $3,130 $4,320
South Dakota $2,026 $2,919 $3,369
Tennessee $2,383 $3,508 $4,671
Texas $2,400 $3,467 $4,312
Utah $2,041 $2,860 $3,936
Vermont $1,571 $2,420 $2,558
Virginia $1,480 $2,273 $2,228
Washington $1,960 $2,660 $3,176
West Virginia $1,972 $2,823 $3,538
Wisconsin $1,966 $3,068 $3,500
Wyoming $1,835 $2,569 $2,736

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