Lincoln MKZ Car Insurance Cost 2025
Getting insurance for a Lincoln MKZ costs an average of $811 per year. However, the actual amount you’ll pay depends on several factors, including your age, the model year of your car, and other personal details. To get a more accurate estimate tailored to your profile, you can refer to our quote tables below.
We’ve saved shoppers an average of $600 per year on their car insurance.
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, Lincoln MKZ drivers can expect to pay an average of $811 per year for car insurance. However, actual rates may vary depending on factors such as location, driving history, and coverage options.
The cost of car insurance for a Lincoln MKZ can vary significantly based on factors such as location, driving history, vehicle model year, and coverage options. A clean driving record can lead to lower premiums, while a history of accidents or violations may increase costs. Urban areas with heavy traffic generally have higher insurance rates compared to rural regions. Additionally, opting for comprehensive coverage, which includes collision and other protections, tends to be more expensive than minimum liability coverage. While the insurance cost for a Lincoln MKZ is higher than the average for all Lincolns models, it remains lower than the overall average for all cars. To find the best rates, Insuranceopedia can help compare quotes from multiple providers.
| Vehicle | Average Monthly Premium |
| Lincoln MKZ | $173 |
| All Lincolns | $158 |
| All Cars | $175 |
Average Insurance Cost Of Lincoln MKZ By Model Year
| Model Year | Average Premium |
| 2020 Lincoln MKZ | $1,261 |
| 2019 Lincoln MKZ | $933 |
| 2018 Lincoln MKZ | $968 |
| 2017 Lincoln MKZ | $804 |
| 2016 Lincoln MKZ | $825 |
| 2015 Lincoln MKZ | $835 |
| 2014 Lincoln MKZ | $816 |
| 2013 Lincoln MKZ | $594 |
| 2012 Lincoln MKZ | $715 |
| 2011 Lincoln MKZ | $672 |
| 2010 Lincoln MKZ | $581 |
2020 Lincoln MKZ Insurance Rates
The average annual insurance cost for a 2020 Lincoln MKZ is $1,261. However, American National P offers the cheapest rates, averaging $811 per year.
| 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
The average annual insurance cost for a 2019 Lincoln MKZ is $933. However, SAFECO offers the cheapest rates, averaging $286 per year.
| 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
The average annual insurance cost for a 2018 Lincoln MKZ is $968. However, Mercury Insurance Company offers the cheapest rates, averaging $292 per year.
| 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
The average annual insurance cost for a 2017 Lincoln MKZ is $804. However, Dairyland Broadform offers the cheapest rates, averaging $166 per year.
| 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
The average annual insurance cost for a 2016 Lincoln MKZ is $825. However, Safeco offers the cheapest rates, averaging $279 per year.
| 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
The average annual insurance cost for a 2015 Lincoln MKZ is $835. However, Safeco offers the cheapest rates, averaging $265 per year.
| 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 |
Find Affordable Lincoln MKZ Insurance Rates
2014 Lincoln MKZ Insurance Rates
The average annual insurance cost for a 2014 Lincoln MKZ is $816. However, Jupiter Auto Insurance offers the cheapest rates, averaging $206 per year.
| 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
The average annual insurance cost for a 2013 Lincoln MKZ is $594. However, Safeco offers the cheapest rates, averaging $90 per year.
| 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
The average annual insurance cost for a 2012 Lincoln MKZ is $715. However, Union Mutual Fire Group offers the cheapest rates, averaging $459 per year.
| 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
The average annual insurance cost for a 2011 Lincoln MKZ is $672. However, Jupiter Auto Insurance offers the cheapest rates, averaging $33 per year.
| 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
The average annual insurance cost for a 2010 Lincoln MKZ is $672. However, SAFECO offers the cheapest rates, averaging $283 per year.
| 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 |
Find Affordable Lincoln MKZ Insurance Rates
Is A Lincoln MKZ Expensive To Insure?
The cost of insuring a Lincoln MKZ is higher than the overall average for all cars. However, your actual premium will depend on several factors, including your age, driving history, location, and the car’s model year. Insurance rates can also vary based on the level of coverage you choose, with comprehensive and collision coverage generally costing more than minimum liability. To find the best deal, it’s essential to compare quotes from multiple providers.
Cost of Lincoln MKZ Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers tend to pay the highest premiums since they are statistically more likely to be involved in accidents. As drivers gain experience and maintain a clean record, their insurance costs generally decrease, reflecting a lower risk profile.
| 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
Your location plays a crucial role in determining your car insurance rates. Each state has its own regulations, which can impact the required coverage levels and, consequently, the cost of insurance. For example, Michigan drivers typically pay higher premiums due to the state’s mandated high coverage levels. Additionally, environmental factors like extreme weather—hurricanes, storms, and flooding—can influence insurance rates. Crime and accident statistics in your area, including car thefts, crashes, and vehicle fatalities, are also key considerations for insurers when calculating premiums for your Lincoln MKZ.
| 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 |
Find Affordable Lincoln MKZ Insurance Rates
Cheapest Car Insurance Companies For A Lincoln MKZ
If you’re in the market for a new car insurance policy for your Lincoln MKZ, finding the most affordable provider is likely a top priority. MetroMile offers the lowest average rate at $33 per month, making it a cost-effective option. However, actual rates can vary depending on factors such as your driving history, location, and coverage needs. Since insurance prices fluctuate based on individual profiles, the best approach is to compare quotes from multiple providers to ensure you’re getting the most competitive rate for your specific situation.
| Company | Average Monthly Rate |
| MetroMile | $33 |
| Commonwealth Casualty | $50 |
| Foremost | $38 |
| Aspire | $27 |
| AmericanAlliance | $48 |
Common Lincoln MKZ Insurance Discounts
Discounts are an effective way to reduce your car insurance expenses. Most providers offer various discount options, and here are some of the most common ones you may qualify for:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can lead to lower rates.
- Annual payment discount: Paying your premium in full instead of making monthly payments often results in savings.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for reduced rates.
Additional discounts may be available, so it’s always a good idea to check with your insurance agent to find the best savings opportunities for your policy.
Ways To Save On Lincoln MKZ Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Lincoln MKZ insurance costs. Speeding tickets and accidents can significantly increase your premiums. For example, Lincoln MKZ drivers with a ticket on their record may pay around $89 per month, while those with multiple accidents could see their rates rise to an average of $105 per month.
Additionally, your annual mileage plays a role in determining your insurance costs. Drivers who log fewer miles are considered lower risk and typically pay less. Those who drive between 5,001–7,500 miles per year can expect to pay around $72 per month, whereas those driving 7,501–10,000 miles per year may pay about $86 per month. Keeping your mileage low and maintaining a clean record can help you save on insurance.
Compare Lincoln MKZ To Other Lincoln Models
Our Methodology
Insuranceopedia calculated average car insurance costs by aggregating thousands of quotes from top auto insurance providers. The sample used was for a 40-year-old male driver purchasing full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the actual cost of your car insurance may differ based on individual factors such as your driving history, location, and the model of your car. It's always best to get a personalized quote to determine the exact amount you will pay.
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FAQs
Do You Need Insurance Before You Can Purchase A Lincoln MKZ?
Yes, you will need to provide proof of insurance before driving your Lincoln MKZ off the dealership lot. The best approach is to purchase a policy ahead of time and notify your insurance company that you’re about to buy the car. This way, you’ll have the necessary coverage ready as soon as you take possession of the vehicle, avoiding any delays or complications. It’s generally easier and potentially cheaper than getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Lincoln MKZ?
The best way to find the cheapest rates for your Lincoln MKZ is by shopping around and comparing quotes from different auto insurance companies. By doing so, you can ensure you’re getting the most affordable coverage based on your specific needs and circumstances. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right here on our website, making the process easier and more efficient.
