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.

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Updated: 04 April 2024
Written by
Bob Phillips
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If you’re thinking about buying a Lincoln MKZ, one crucial aspect to factor in is the cost of insurance. Insurance plays a big role in owning a car, so it’s important to understand the financial implications before you commit to buying.

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

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.

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