Lincoln MKZ Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Lincoln MKZ costs about the same as most other cars to insure.
• Full coverage insurance for a MKZ runs around $175 per month, on average, while liability only insurance usually averages about $82.
• The most affordable car insurance carrier for a MKZ is Foremost, who offers liability only coverage for sometimes as low as $39 a month, on average.

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MKZ Overview

The Lincoln MKZ is a great budget-friendly car for drivers of all types, with a base price of just $36,750 for 2020 models. Drive off the dealership lot in style, with a choice of two different trim options.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Lincoln MKZ insurance rates are around $183 monthly, on average. How do car insurance premiums for the MKZ stack up against other similar cars?

How Much is Car Insurance for a Lincoln MKZ?

If you look at the table above, you'll find that compared to other vehicles, Lincoln MKZ insurance prices are right about average. MKZ owners typically pay around $175 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $82 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the MKZ is more expensive, with premiums about 11% higher than Lincoln's other vehicle offerings. Compared to offerings from other brands, auto insurance for a MKZ is also more affordable, with liability only insurance prices coming in around 1% less and 1% less for full coverage.

When compared to all vehicles, regardless of make, model, or body style, insurance rates for both liability only and full coverage policies run more affordable than average.

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Who has the Cheapest Car Insurance for a Lincoln MKZ?

Browsing for a car insurance policy for your Lincoln MKZ? You're likely wondering which company offers the cheapest prices. Even though costs will generally be pretty different from between drivers, the lowest average rates for liability only insurance are as cheap as $28 a month from Aspire. The runner up for cheapest rates is MetroMile, with auto insurance policies starting as low as just $32 monthly.

The third, fourth, and fifth companies on the list are Foremost, AmericanAlliance, and Commonwealth Casualty. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln MKZ.

Car insurance companies take a multitude of different things into consideration when calculating how much to charge you. By pulling quotes from quite a few car insurance carriers at once, you can rest easy knowing that you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Lincoln MKZ?

There are lots of pieces that auto insurance companies reference to determine how much they charge -- and every carrier uses a different formula, so there's not a singular company that's the cheapest for everyone.

The sections below show a bunch of factors insurance carriers use to calculate rates:

Vehicle Age

The Lincoln MKZ has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and MKZs begin to depreciate, insurance costs will gradually go down.

As you can see in the information above, the Lincoln MKZ is inline with this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest models are MKZs that are 15 years old or more, on average.

Your Age

Age is another variable that makes a significant difference in how much auto insurance companies will charge you for car insurance. Based on the information in the table above, drivers who have more experience on the road have less expensive premiums compared to teenage MKZ drivers. Lincoln MKZ drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the MKZ.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. The Lincoln MKZ sticks to the norm, where men pay about $83 per month for insurance, while women pay around $80.

Where You Live

You may already know that variables like what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live can be just as important? Because insurance is regulated on a state-by-state basis, prices shift quite a bit from state to state.

For example, the average Lincoln MKZ owner from New York pays about $179 a month for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. The chart shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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Lincoln MKZ Car Insurance Discounts

Whatever what state you live in, what car you drive, or how old you are, it's always a good idea to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-car discounts for having several vehicles on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

These are just a few of the discounts auto insurance carriers offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Although you can't control every single aspect of your insurance profile (like some of the variables we mentioned above), there is quite a bit that you can control. Below are just a few of the factors you can use in your favor in order to save money on auto insurance:

Your Driving Record

You've no doubt noticed ads from insurance companies posting hefty savings for good drivers. And you're probably not surprised to hear that your car insurance premiums will get higher if you get tickets or get into a collision. But you still might be left wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost MKZ drivers more than tickets, but both will result in a raise in rates. Lincoln MKZ drivers with one ticket will pay an average of $88 per month, while drivers with a single accident on their record pay about $106 each month (up $24 from the $82/mo. overall average). The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another factor you have control over is the total distance you drive. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll normally end up paying less for auto insurance. In the table above, you can see that Lincoln MKZ owners who drive 10,000 miles or more pay $87 for car insurance, while those who drive fewer than 2,500 miles every year pay an average of $74 monthly.

But if you don't drive much because have a second vehicle or you work from home, you might consider learning about usage-based or pay-per-mile insurance policies. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Lincoln MKZs Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Lincoln MKZ is on your shortlist, you might be wondering how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.

Review the table below to see how the Lincoln MKZ compares:

Overall, the Lincoln MKZ has an MSRP that's in line with the going rate for a new vehicle. The MKZ's $46,547 base MSRP is right on trend with the national average of $36,750.

Although the MKZ has a pretty average price, auto insurance rates run below average when compared to other vehicles on the market. Full coverage insurance for a Lincoln MKZ is around $28 a month cheaper than average, while liability only coverage is $19 cheaper per month.

When it comes to usage, Lincoln MKZ drivers are much higher than the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the MKZ's 22,040 a year.

Lincoln MKZ Car Insurance Costs by Model Year

We've gone over many of the variables that can affect how much you might pay for insurance. But if you're in thinking about buying a new car, truck, or SUV and the MKZ is on your wishlist, having a good idea of exactly what you'll pay is extremely valuable as you weigh your options.

Choose Your Model

2020 Lincoln MKZ Car Insurance 2019 Lincoln MKZ Car Insurance 2018 Lincoln MKZ Car Insurance 2017 Lincoln MKZ Car Insurance 2016 Lincoln MKZ Car Insurance 2015 Lincoln MKZ Car Insurance 2014 Lincoln MKZ Car Insurance 2013 Lincoln MKZ Car Insurance 2012 Lincoln MKZ Car Insurance 2011 Lincoln MKZ Car Insurance 2010 Lincoln MKZ Car Insurance 2009 Lincoln MKZ Car Insurance 2008 Lincoln MKZ Car Insurance

2020 Lincoln MKZ Car Insurance

2020 MKZ drivers can expect to pay an average of $62 monthly for liability or $141 for full coverage.

Looking for the most affordable policy? Safeco offered liability only coverage for as little as just $18 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2019 Lincoln MKZ Car Insurance

The average cost to insure a 2019 Lincoln MKZ with liability only coverage is $167 per month, while full coverage runs about $190 a month.

We found Amica offered the cheapest policy, with rates sometimes as cheap as $60 monthly.

What could your insurance premium look like? Just enter your ZIP code below to get several free customized quotes.

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2018 Lincoln MKZ Car Insurance

You can expect full coverage for a 2018 MKZ to run around $194 a month, while liability only coverage will average about $93 monthly.

With prices sometimes as little as $33 per month, Infinity offered the lowest policy we found for the 2018 Lincoln MKZ.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2017 Lincoln MKZ Car Insurance

It costs around $81 a month for liability or $247 for a full coverage policy for the 2017 Lincoln MKZ.

If you're looking for the most affordable 2017 Lincoln MKZ insurance policy, FirstChicago offered the most affordable policy we found, with rates as little as $33 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2017 Lincoln MKZ, you can get free quotes in minutes by just entering your ZIP code below.

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2016 Lincoln MKZ Car Insurance

On average, drivers who own a 2016 MKZ can expect to pay $82 to $185 monthly for liability only and full coverage car insurance, respectively.

Safeco has rates as cheap as just $19 a month for the 2016 Lincoln MKZ.

If you want to know exactly how much you can expect to pay for your MKZ, just enter your ZIP code below and get free quotes in minutes.

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2015 Lincoln MKZ Car Insurance

You can expect full coverage for a 2015 Lincoln MKZ to run about $171 monthly, while liability only coverage will average around $91 per month.

AnswerFinancial offered the lowest policy we found, with rates as low as $27 monthly.

Want to know exactly what your insurance premium will be? Just enter your ZIP code below to get multiple free personalized quotes.

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2014 Lincoln MKZ Car Insurance

2014 MKZ drivers can expect to pay an average of $86 a month for liability or $166 for full coverage.

With prices as low as just $26 per month, MetroMile offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2014 Lincoln MKZ, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Lincoln MKZ Car Insurance

On average, drivers who own a 2013 Lincoln MKZ can expect to pay $72 to $184 monthly for liability only and full coverage car insurance, respectively.

Mercury has prices as little as just $21 per month for the 2013 Lincoln MKZ.

These average rates are a great starting point if you're in the market for a 2013 Lincoln MKZ, but there are a variety of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2012 Lincoln MKZ Car Insurance

The average cost to insure a 2012 MKZ with liability only coverage is $85 a month, while full coverage runs about $159 monthly.

If you're looking for the lowest possible 2012 Lincoln MKZ insurance policy, StateAuto offered the lowest policy we found, with rates as cheap as $23 per month.

Want to know exactly how much you'll pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2011 Lincoln MKZ Car Insurance

It costs around $72 a month for liability or $162 for a full coverage policy for the 2011 Lincoln MKZ.

With premiums sometimes as little as $20 monthly, ACG offered the most affordable policy we found.

If you want to find the best prices for auto insurance for a 2011 Lincoln MKZ, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 Lincoln MKZ Car Insurance

You can expect full coverage for a 2010 MKZ to run about $154 a month, while liability only coverage will average around $84 per month.

Liberty Mutual offered the cheapest policy we found, with rates sometimes as cheap as $16 a month.

Want something more accurate than national averages? Enter your ZIP code below to get lots of personalized quotes for free.

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2009 Lincoln MKZ Car Insurance

On average, drivers who own a 2009 Lincoln MKZ can expect to pay $91 to $153 monthly for liability only and full coverage insurance, respectively.

Looking for the lowest policy? Encompass offered liability only coverage for as low as $26 per month.

If you want to know exactly how much you can expect to pay for your MKZ, get free quotes in minutes by just entering your ZIP code below.

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2008 Lincoln MKZ Car Insurance

The average cost to insure a 2008 MKZ with liability only coverage is $84 a month, while full coverage runs about $171 per month.

We found Hugo offered the cheapest policy, with rates as little as $23 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Lincoln MKZ Insurance FAQs

Is a Lincoln MKZ expensive to insure?

Liability insurance runs an average of $82 per month, while full coverage will cost you around $175. It costs about the same to insure a Lincoln MKZ as insuring the average vehicle. car.

How can I get the best price on car insurance for my Lincoln MKZ?

The only way to make sure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from a lot of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Lincoln MKZ affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are a multitude of factors auto insurance carriers use when they calculate your prices, but your MKZ's color is not used to make that determination.

Do I need to have insurance before I buy a Lincoln MKZ?

Before you can legally drive your new (or new to you) Lincoln MKZ off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an car is to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Lincoln MKZ?

There are lots of different discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your car and more on you, but if your MKZ has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about which discounts they offer, since they differ quite a bit from carrier to carrier.