fbpx
Phone: 1-(855) 233-7818

Lincoln MKZ Car Insurance Cost

Use AutoInsureSavings to find the best rates and save money today.

Compare all car insurance companies at once.

No junk mail. No spam calls. Free quotes.

Are you looking for a used Lincoln MKZ? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lincoln MKZ car insurance facts

  • Average full coverage auto insurance premium: $133/month

  • Most affordable companies: GEICO ($92/month) & Progressive ($96/month)

  • MKZ car insurance cost vs. average rates: $17 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lincoln MKZ by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Below average Lincoln MKZ insurer costs by state:

How much does it cost to insure my Lincoln MKZ?

Select the year of your car:

2020 Lincoln MKZ

Compare all 2020 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,580

List Price

$36,750

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 245-hp turbo four-cylinder with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2019 Lincoln MKZ

Compare all 2019 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,613

List Price

$35,995

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 245-hp turbo four-cylinder with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2018 Lincoln MKZ

Compare all 2018 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,530

List Price

$35,605

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 245-hp turbo four-cylinder with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2017 Lincoln MKZ

Compare all 2017 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,409

List Price

$35,170

Trims Available

Premiere - Select - Reserve - Black Label

2016 Lincoln MKZ

Compare all 2016 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,564

List Price

$35,190

Trims Available

Base - Black Label

2015 Lincoln MKZ

Compare all 2015 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,506

List Price

$35,190

Trims Available

Base - Black Label

2014 Lincoln MKZ

Compare all 2014 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,454

List Price

$35,190

Trims Available

Base

2013 Lincoln MKZ

Compare all 2013 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,463

List Price

$35,925

Trims Available

Base

2012 Lincoln MKZ

Compare all 2012 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,309

List Price

$34,755

Trims Available

Base

2011 Lincoln MKZ

Compare all 2011 Lincoln MKZ rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,290

List Price

$34,645

Trims Available

Base

Risk factors affecting Lincoln MKZ coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Lincoln MKZ car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lincoln models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lincoln luxury automobile brand

Lincoln is an automobile manufacturer division of Ford specializing in top luxury brands with exceptional reliability for the United States market. The target audience of Lincoln is the older generation demanding more traditional cars with elegance and conventional American luxury. All Lincoln automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lincoln Continental, Navigator, and MKZ are some of their most popular cars.

High Lincoln MKZ repair costs equal high coverage rates

Many consumers are attracted to Lincoln's traditional American features, lack of engine vibration, and driver-assist technologies, like Co-Pilot360 safety features. Automotive parts are common but more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lincoln is higher than average since repair parts are more expensive. For this reason, many Lincolns are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lincoln MKZ affecting auto policies

Another factor to consider for Lincoln is rapid depreciation, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lincoln models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

Excellent Lincoln IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lincolns are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lincoln's (Ford's) Co-Pilot360 technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lincoln models. The Lincoln Corsair and Lincoln Aviator are the Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives Lincoln automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lincoln automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

Follow us on:
© 2021 AutoInsureSavings LLC. All Rights Reserved. Use of AutoInsureSavings LLC Services (DBA AutoInsureSavings.org) is subject to our Terms of Service, Privacy Policy and License #3000705723. CCPA Disclaimer DUNS: 117443053

Advertiser Disclosure: All rates, insurance quotes, products and services are presented without warranty and guarantee. When evaluating insurance rates, verify directly with your current provider or insurance agent. Insurance quotes and offers are not binding, nor a guarantee of car insurance coverage. Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. We are an objective third-party resource for everything auto insurance.