Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 2020

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Key takeaways:

  • Full coverage costs around $1,636 a year or $136 each month
  • A liability-only policy costs around $656 a year or $55 each month
  • Highest rates are for teenage drivers at around $5,980 a year or $498 each month
  • Good drivers can save as much as $675 a year by earning policy discounts
  • Lincoln MKZ insurance costs around $117 more per year than the average vehicle

Lincoln MKZ insurance rates cost $117 more per year than the average vehicle. Full coverage costs $1,636 per year or $136 per month. Continue reading to learn how to save $675 per year on Lincoln MKZ insurance rates.

You can start comparing quotes for Lincoln MKZ auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Lincoln MKZ Insurance Cost

The average Lincoln MKZ auto insurance costs are $1,636 a year or $136 a month.

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Are Lincoln MKZs Expensive to Insure?

The chart below details how Lincoln MKZ insurance rates compare to other sedans like the Chevrolet Cruze, Honda Accord, and Volkswagen Passat.

Vehicle Comprehensive Collision Liability Total
Lincoln MKZ $320 $686 $450 $1,636
Chevrolet Cruze $308 $594 $372 $1,432
Honda Accord $280 $500 $372 $1,310
Volkswagen Passat $332 $600 $390 $1,480
Subaru WRX $320 $566 $338 $1,360
Chevrolet Blazer $376 $688 $316 $1,516
Audi S3 $356 $744 $264 $1,474
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However, there are a few things you can do to find the cheapest Lincoln insurance rates online.

What Impacts the Cost of Lincoln MKZ Insurance?

The Lincoln MKZ trim and model you choose can impact the total price you will pay for Lincoln MKZ insurance coverage.

Age of the Vehicle

Older Lincoln MKZ models generally cost less to insure. For example, auto insurance for a 2018 Lincoln MKZ costs $1,636, while 2010 Lincoln MKZ insurance costs are $1,346, a difference of $290.

Model Year Comprehensive Collision Liability Total
2018 Lincoln MKZ $320 $686 $450 $1,636
2017 Lincoln MKZ $308 $668 $470 $1,626
2016 Lincoln MKZ $298 $640 $486 $1,604
2015 Lincoln MKZ $282 $618 $500 $1,580
2014 Lincoln MKZ $270 $574 $510 $1,534
2013 Lincoln MKZ $260 $540 $514 $1,494
2012 Lincoln MKZ $248 $484 $520 $1,432
2011 Lincoln MKZ $232 $446 $520 $1,378
2010 Lincoln MKZ $224 $418 $524 $1,346
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Driver Age

Driver age can have a significant effect on Lincoln MKZ auto insurance rates. For example, 20-year-old drivers pay $2,001 more for their Lincoln MKZ auto insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln MKZ insurance rates. For example, drivers in Jacksonville may pay $981 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Lincoln MKZ auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKZ auto insurance rates with violations on their driving record.

Lincoln MKZ Safety Ratings

Your Lincoln MKZ auto insurance rates are tied to the safety ratings of the Lincoln MKZ. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Lincoln MKZ Crash Test Ratings

Lincoln MKZ crash test ratings can impact your Lincoln MKZ auto insurance rates. See Lincoln MKZ crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Lincoln MKZ HEV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2020 Lincoln MKZ 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2020 Lincoln MKZ 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2019 Lincoln MKZ HEV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2019 Lincoln MKZ 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2019 Lincoln MKZ 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2018 Lincoln MKZ HEV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Lincoln MKZ 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Lincoln MKZ 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2017 Lincoln MKZ HEV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Lincoln MKZ 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Lincoln MKZ 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2016 Lincoln MKZ HEV 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2016 Lincoln MKZ 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2016 Lincoln MKZ 4 DR AWD 5 stars 5 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lincoln MKZ Safety Features

The safety features of the Lincoln MKZ can impact your Lincoln MKZ auto insurance rates. The Lincoln MKZ has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Lincoln MKZ Insurance Loss Probability

The lower percentage means lower Lincoln MKZ auto insurance rates; higher percentages mean higher Lincoln MKZ auto insurance rates. Insurance loss probability on the Lincoln MKZ fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 37%
Property Damage -15%
Comprehensive 7%
Personal Injury -5%
Medical Payment -11%
Bodily Injury -25%
Source: Insurance Institute for Highway Safety
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Lincoln MKZ Finance and Insurance Cost

When financing a Lincoln MKZ, most lenders will require your carry higher Lincoln MKZ coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln MKZ auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Lincoln MKZ Insurance

If you want to reduce the cost of your Lincoln MKZ insurance rates, follow these tips below:

  • Don’t Skimp On Lincoln MKZ Liability Coverage
  • Take Public Transit Instead of Driving Your Lincoln MKZ
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Choose a Lincoln MKZ with Cheaper Repair Costs
  • Improve Your Credit Score

Top Lincoln MKZ Insurance Companies

The best auto insurance companies for Lincoln MKZ auto insurance rates will offer competitive rates, discounts, and account for the Lincoln MKZ’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Lincoln MKZ Insurance Quotes Online

You can start comparing quotes for Lincoln MKZ auto insurance rates from some of the best auto insurance companies by using our free online tool now.