Lincoln MKZ Car Insurance Cost
Getting insurance for a Lincoln MKZ typically runs about $811 annually through American National P. However, the exact expense varies based on factors like your age, the year of the car model, and other elements. Refer to the quote tables provided below to determine the specific cost tailored to your situation.
Choosing the wrong insurance plan could result in unexpected and potentially expensive bills later on. It’s essential to ensure you have adequate coverage in case of an accident, to avoid being left with large out-of-pocket expenses. Additionally, being at fault in an accident could lead to higher premiums over time.
With over ten years of experience studying car insurance rates, I’ve observed how much these costs can vary. Your age, driving history, and even your location can have a significant impact on the amount you pay for insurance premiums.
How Much Does Lincoln MKZ Car Insurance Cost?
Typically, American National P provides the best deal, offering full coverage insurance for a 2023 Lincoln MKZ at an average rate of $811 per year.
While the rate offered by American National P serves as a good reference point, it’s essential to recognize that car insurance costs can vary significantly due to several factors. These factors include where you live, your driving record, the age of your car, and the specific coverage options you select. Having a clean driving history typically results in lower premiums, whereas a record of accidents or traffic violations can raise your rates.
Moreover, residing in a bustling urban area with heavy traffic often leads to higher insurance rates compared to rural regions with less traffic. The type of coverage you opt for also influences your premium; comprehensive coverage, which includes both collision and comprehensive coverage, generally costs more than basic liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring that you find the most favorable deal for your needs.
2020 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $811 |
| Buckeye Insurance Group | $1,012 |
| Safeco | $1,056 |
| Mercury Insurance | $1,089 |
| Capital Insurance Group | $1,252 |
| Virginia Farm Bureau | $1,320 |
| SECURA Insurance | $1,441 |
| PEMCO | $1,441 |
| Oregon Mutual | $1,566 |
| Texas Farm Bureau Group | $1,619 |
2019 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $286 |
| American National P | $486 |
| Mercury Insurance | $795 |
| Dairyland FR Bond | $840 |
| NatGen PPA | $873 |
| Buckeye Insurance Group | $1,163 |
| Texas Farm Bureau Group | $1,187 |
| United Farm Bureau of IN Group | $1,217 |
| IMT Insurance Company | $1,216 |
| West Bend Mutual | $1,270 |
2018 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $292 |
| Safeco | $506 |
| American National P | $703 |
| National General Value | $786 |
| Titan | $983 |
| NatGen Value | $1,185 |
| Buckeye Insurance Group | $1,217 |
| Utica National Ins Group | $1,281 |
| North Carolina Farm Bureau | $1,314 |
| Capital Insurance Group | $1,409 |
2017 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $166 |
| SAFECO | $366 |
| American National P | $608 |
| NatGen PPA | $819 |
| Jupiter Auto Insurance | $818 |
| Concord Group | $826 |
| Countryway Insurance | $931 |
| Dairyland FR Bond | $1,046 |
| Virginia Farm Bureau | $1,204 |
| Mercury Insurance | $1,255 |
2016 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $279 |
| NatGen Custom 360 | $562 |
| Concord Group | $704 |
| Dairyland Broadform | $869 |
| Jupiter Auto Insurance | $879 |
| Countryway Insurance | $911 |
| AssuranceAmerica Mobile Max | $972 |
| Mercury Insurance | $1,011 |
| Dairyland FR Bond | $991 |
| Safety Group | $1,069 |
2015 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $265 |
| American National P | $683 |
| Jupiter Auto Insurance | $661 |
| NatGen Custom 360 | $699 |
| Kemper Auto | $812 |
| Concord Group | $943 |
| Ameriprise Group | $1,029 |
| Countryway Insurance | $1,049 |
| Plymouth Rock Assurance | $1,082 |
| Buckeye Insurance Group | $1,125 |
2014 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $206 |
| SAFECO | $377 |
| American National P&C | $573 |
| NatGen Custom 360 | $849 |
| Kemper Auto | $938 |
| SECURA Insurance | $989 |
| North Carolina Farm Bureau | $999 |
| NatGen PPA | $1,005 |
| Mercury Insurance | $1,105 |
| Virginia Farm Bureau | $1,116 |
2013 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $90 |
| NatGen Custom 360 | $173 |
| Jupiter Auto Insurance | $330 |
| Dairyland FR Bond | $599 |
| Mercury Insurance | $584 |
| American National P | $651 |
| Dairyland Broadform | $786 |
| SECURA Insurance | $843 |
| Kemper Personal Insurance | $848 |
| Mercury Insurance Company | $1,039 |
2012 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $459 |
| American National P&C | $482 |
| AssuranceAmerica Mobile Max | $511 |
| Kemper Auto Premier | $687 |
| Concord Group | $730 |
| Kemper Auto | Infinity | $816 |
| Countryway Insurance | $825 |
| American National P | $865 |
| Mercury Insurance | $888 |
| SAFECO | $890 |
2011 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $33 |
| SAFECO | $330 |
| Mercury Insurance | $427 |
| Kemper Auto | Infinity | $506 |
| NatGen Value | $742 |
| American National P | $906 |
| Kemper Auto Premier | $932 |
| SECURA Insurance | $939 |
| EMC Insurance | $935 |
| Concord Group | $966 |
2010 Lincoln MKZ Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $283 |
| Kemper Personal Insurance | $391 |
| American National P&C | $497 |
| Concord Group | $571 |
| Kemper Auto Premier | $592 |
| American National P | $655 |
| MMG Insurance Company | $658 |
| Clearcover | $732 |
| Pure Companies Grp | $720 |
| Countryway Insurance | $711 |
Cost of Lincoln MKZ Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,557 | $11,102 | $12,981 |
| 18 | $7,041 | $10,369 | $12,113 |
| 19 | $6,208 | $9,141 | $10,705 |
| 20 | $5,439 | $7,975 | $9,313 |
| 21 | $4,541 | $6,684 | $7,840 |
| 22 | $4,445 | $6,497 | $7,628 |
| 23 | $3,869 | $5,708 | $6,658 |
| 24 | $3,708 | $5,404 | $6,350 |
| 25 | $3,194 | $4,653 | $5,447 |
| 30 | $2,482 | $3,644 | $4,260 |
| 35 | $2,313 | $3,421 | $3,972 |
| 40 | $2,238 | $3,295 | $3,849 |
| 45 | $2,153 | $3,180 | $3,722 |
| 55 | $1,989 | $2,944 | $3,404 |
| 65 | $2,068 | $3,046 | $3,564 |
| 75 | $2,617 | $3,859 | $4,521 |
Lincoln MKZ Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,358 | $3,426 | $4,353 |
| Alaska | $1,937 | $2,708 | $2,638 |
| Arizona | $2,213 | $3,205 | $4,720 |
| Arkansas | $2,422 | $3,825 | $4,215 |
| California | $2,709 | $4,759 | $2,701 |
| Colorado | $2,526 | $3,541 | $4,476 |
| Connecticut | $3,217 | $4,988 | $6,335 |
| Delaware | $2,685 | $3,563 | $4,566 |
| Florida | $3,164 | $4,371 | $5,706 |
| Hawaii | $1,042 | $1,424 | $1,048 |
| Idaho | $1,812 | $2,383 | $2,905 |
| Illinois | $1,862 | $2,855 | $3,227 |
| Indiana | $1,923 | $2,954 | $3,294 |
| Iowa | $1,521 | $2,113 | $2,448 |
| Kansas | $2,018 | $2,969 | $3,463 |
| Kentucky | $2,937 | $4,319 | $5,103 |
| Louisiana | $3,795 | $5,713 | $6,183 |
| Maine | $1,424 | $1,974 | $2,900 |
| Maryland | $2,305 | $3,351 | $3,727 |
| Massachusetts | $1,840 | $3,242 | $1,848 |
| Michigan | $4,461 | $6,820 | $10,746 |
| Minnesota | $1,853 | $2,457 | $3,455 |
| Mississippi | $2,237 | $3,154 | $3,182 |
| Missouri | $2,079 | $3,000 | $3,938 |
| Montana | $2,116 | $2,978 | $3,473 |
| Nebraska | $1,795 | $2,659 | $2,878 |
| Nevada | $2,961 | $4,411 | $4,659 |
| New Hampshire | $2,049 | $3,266 | $4,137 |
| New Jersey | $2,266 | $3,585 | $4,671 |
| New Mexico | $2,321 | $3,470 | $3,578 |
| New York | $2,144 | $2,714 | $4,514 |
| North Carolina | $1,322 | $2,305 | $1,637 |
| North Dakota | $1,836 | $2,768 | $3,289 |
| Ohio | $1,613 | $2,527 | $2,594 |
| Oklahoma | $2,583 | $3,729 | $4,202 |
| Oregon | $2,349 | $3,178 | $3,770 |
| Pennsylvania | $1,986 | $2,910 | $3,439 |
| Rhode Island | $3,335 | $4,884 | $5,513 |
| South Carolina | $2,256 | $3,120 | $4,332 |
| South Dakota | $2,033 | $2,912 | $3,390 |
| Tennessee | $2,400 | $3,529 | $4,691 |
| Texas | $2,406 | $3,483 | $4,304 |
| Utah | $2,047 | $2,844 | $3,941 |
| Vermont | $1,592 | $2,413 | $2,554 |
| Virginia | $1,485 | $2,290 | $2,212 |
| Washington | $1,958 | $2,671 | $3,173 |
| West Virginia | $1,989 | $2,820 | $3,527 |
| Wisconsin | $1,955 | $3,058 | $3,482 |
| Wyoming | $1,845 | $2,568 | $2,731 |
| Georgia | $2,597 | $3,879 | $3,889 |
Compare Lincoln MKZ To Other Lincoln Models
FAQs
Who has the cheapest car insurance for a Lincoln MKZ?
American National P has the cheapest car insurance for the Lincoln MKZ for the model year 2023.
Which company offers the best car insurance for a Lincoln MKZ?
Based on a combination of having the lowest rates, comprehensive coverage, and top-rated customer service, we believe American National P offers the best car insurance for a Lincoln MKZ.
