Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Lincoln MKZ Hybrid? 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 Hybrid car insurance facts

  • Average full coverage auto insurance premium: $172/month

  • Most affordable companies: Progressive ($93/month) & GEICO ($99/month)

  • MKZ Hybrid car insurance cost vs. average rates: $34 more expensive than the average vehicle

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

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lincoln MKZ Hybrid insurer costs by state:

Risk factors affecting Lincoln MKZ Hybrid 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 Hybrid 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 Hybrid 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 Hybrid 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.

2020 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$2396
Allstate$1986
American Family$1687
Country Financial$2069
Erie$1425
GEICO$1320
Kentucky Farm Bureau$2159
Liberty Mutual$1476
Mercury$1849
Nationwide$1569
Progressive$1126
State Farm$1333
Tennessee Farmers$1753
Texas Farm Bureau$1635
The Hanover$2278
Travelers$2044

Compare all 2020 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$2056

List Price

$42500

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 2.0-liter, Atkinson cycle inline-four gas engine, an electric motor 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 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$2314
Allstate$1799
American Family$1389
Country Financial$2004
Erie$1186
GEICO$1120
Kentucky Farm Bureau$2109
Liberty Mutual$1265
Mercury$1690
Nationwide$1305
Progressive$1083
Tennessee Farmers$1486
Texas Farm Bureau$1356
The Hanover$2270
Travelers$1905

Compare all 2019 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$1659

List Price

$35995

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 2.0-liter, Atkinson cycle inline-four gas engine, an electric motor 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 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1953
Allstate$1512
American Family$1216
Country Financial$1635
Erie$1067
GEICO$1050
Kentucky Farm Bureau$1780
Liberty Mutual$1126
Mercury$1498
Nationwide$1187
Progressive$986
State Farm$1053
Tennessee Farmers$1321
Texas Farm Bureau$1204
The Hanover$1869
Travelers$1524

Compare all 2018 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$1630

List Price

$36530

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 2.0-liter, Atkinson cycle inline-four gas engine, an electric motor 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 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1534
Acuity$ 1534
Allied$ 1318
Allied$ 1318
Arbella$ 1566
Arbella$ 1566
Erie$ 980
Erie$ 980
Mercury$ 1625
Mercury$ 1625
Nationwide$ 1447
Nationwide$ 1447
Plymouth Rock Insurance$ 1252
Plymouth Rock Insurance$ 1252
Progressive$ 1381
Progressive$ 1381
Tennessee Farmers$ 1172
Tennessee Farmers$ 1172
Texas Farm Bureau$ 1187
Texas Farm Bureau$ 1187
USAA$ 1347
USAA$ 1347
Vermont Mutual$ 1524
Vermont Mutual$ 1524

Compare all 2017 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 1545

List Price

$ 35010

Trims Available

Premiere - Select - Reserve - Black Label

2016 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1580
Acuity$ 1580
Allied$ 1323
Allied$ 1323
Arbella$ 1559
Arbella$ 1559
Country$ 1694
Country$ 1694
Erie$ 976
Erie$ 976
Mercury$ 1605
Mercury$ 1605
Nationwide$ 1482
Nationwide$ 1482
Plymouth Rock Insurance$ 1257
Plymouth Rock Insurance$ 1257
Tennessee Farmers$ 1168
Tennessee Farmers$ 1168
Texas Farm Bureau$ 1156
Texas Farm Bureau$ 1156
USAA$ 1300
USAA$ 1300
Vermont Mutual$ 1565
Vermont Mutual$ 1565

Compare all 2016 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 1517

List Price

$ 35190

Trims Available

Base - Black Label

2015 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1468
Acuity$ 1468
Allied$ 1331
Allied$ 1331
Arbella$ 1560
Arbella$ 1560
Erie$ 973
Erie$ 973
Mercury$ 1580
Mercury$ 1580
Nationwide$ 1482
Nationwide$ 1482
Plymouth Rock Insurance$ 1222
Plymouth Rock Insurance$ 1222
Progressive$ 1509
Progressive$ 1509
Tennessee Farmers$ 1458
Tennessee Farmers$ 1458
Texas Farm Bureau$ 1121
Texas Farm Bureau$ 1121
USAA$ 1235
USAA$ 1235
Vermont Mutual$ 1433
Vermont Mutual$ 1433

Compare all 2015 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 1423

List Price

$ 35190

Trims Available

Base - Black Label

2014 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1225
Acuity$ 1225
Allied$ 1456
Allied$ 1456
American Family$ 1420
American Family$ 1420
Arbella$ 1299
Arbella$ 1299
Country$ 1375
Country$ 1375
Erie$ 869
Erie$ 869
GEICO$ 1527
GEICO$ 1527
Plymouth Rock Insurance$ 1185
Plymouth Rock Insurance$ 1185
Tennessee Farmers$ 1193
Tennessee Farmers$ 1193
Texas Farm Bureau$ 1043
Texas Farm Bureau$ 1043
USAA$ 1214
USAA$ 1214
Vermont Mutual$ 1140
Vermont Mutual$ 1140

Compare all 2014 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 1301

List Price

$ 36190

Trims Available

Base

2013 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
ALFA$ 1033
ALFA$ 1033
Allied$ 826
Allied$ 826
Allstate$ 1045
Allstate$ 1045
American Family$ 914
American Family$ 914
Erie$ 683
Erie$ 683
GEICO$ 731
GEICO$ 731
Nationwide$ 891
Nationwide$ 891
Progressive$ 364
Progressive$ 364
State Farm$ 495
State Farm$ 495
Texas Farm Bureau$ 775
Texas Farm Bureau$ 775
USAA$ 635
USAA$ 635
Vermont Mutual$ 789
Vermont Mutual$ 789

Compare all 2013 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 784

List Price

$ 35925

Trims Available

Base

2012 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1148
Acuity$ 1148
Allied$ 1306
Allied$ 1306
American Family$ 1344
American Family$ 1344
Arbella$ 1273
Arbella$ 1273
Country$ 1345
Country$ 1345
Erie$ 847
Erie$ 847
Plymouth Rock Insurance$ 1093
Plymouth Rock Insurance$ 1093
State Farm$ 1419
State Farm$ 1419
Tennessee Farmers$ 1173
Tennessee Farmers$ 1173
Texas Farm Bureau$ 1044
Texas Farm Bureau$ 1044
USAA$ 1122
USAA$ 1122
Vermont Mutual$ 1062
Vermont Mutual$ 1062

Compare all 2012 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 1252

List Price

$ 34755

Trims Available

Base

2011 Lincoln MKZ Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1106
Acuity$ 1106
Allied$ 1212
Allied$ 1212
American Family$ 1308
American Family$ 1308
Arbella$ 1257
Arbella$ 1257
Country$ 1301
Country$ 1301
Erie$ 824
Erie$ 824
Nationwide$ 1371
Nationwide$ 1371
Plymouth Rock Insurance$ 1067
Plymouth Rock Insurance$ 1067
Tennessee Farmers$ 1168
Tennessee Farmers$ 1168
Texas Farm Bureau$ 1040
Texas Farm Bureau$ 1040
USAA$ 1075
USAA$ 1075
Vermont Mutual$ 1024
Vermont Mutual$ 1024

Compare all 2011 Lincoln MKZ Hybrid rates

Average Cost to Insure Per Year

$ 1240

List Price

$ 34645

Trims Available

Base