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? 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. 

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 insurer costs by state:

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.

2020 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2019
Allstate$1592
American Family$1312
Country Financial$1653
Erie$1236
GEICO$1126
Kentucky Farm Bureau$1826
Liberty Mutual$1240
Mercury$1564
Nationwide$1265
Progressive$1164
State Farm$1190
Tennessee Farmers$1356
Texas Farm Bureau$1284
The Hanover$1950
Travelers$1622

Compare all 2020 Lincoln MKZ rates

Average Cost to Insure Per Year

$1580

List Price

$36750

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1988
Allstate$1564
American Family$1264
Country Financial$1640
Erie$1070
GEICO$1002
Kentucky Farm Bureau$1795
Liberty Mutual$1130
Mercury$1546
Nationwide$1190
Progressive$1053
State Farm$1069
Tennessee Farmers$1350
Texas Farm Bureau$1216
The Hanover$1903
Travelers$1597

Compare all 2019 Lincoln MKZ rates

Average Cost to Insure Per Year

$1613

List Price

$35995

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1953
Allstate$1512
American Family$1216
Country Financial$1635
Erie$1067
GEICO$986
Kentucky Farm Bureau$1780
Liberty Mutual$1126
Mercury$1498
Nationwide$1187
Progressive$1050
State Farm$1053
Tennessee Farmers$1321
Texas Farm Bureau$1204
The Hanover$1869
Travelers$1524

Compare all 2018 Lincoln MKZ rates

Average Cost to Insure Per Year

$1530

List Price

$35605

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1438
Acuity$ 1438
Allied$ 1379
Allied$ 1379
Erie$ 907
Erie$ 907
GEICO$ 1115
GEICO$ 1115
Nationwide$ 1286
Nationwide$ 1286
Plymouth Rock Insurance$ 1264
Plymouth Rock Insurance$ 1264
Progressive$ 1382
Progressive$ 1382
State Farm$ 1232
State Farm$ 1232
Tennessee Farmers$ 1222
Tennessee Farmers$ 1222
Texas Farm Bureau$ 1151
Texas Farm Bureau$ 1151
USAA$ 1204
USAA$ 1204
Vermont Mutual$ 1413
Vermont Mutual$ 1413

Compare all 2017 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1409

List Price

$ 35170

Trims Available

Premiere - Select - Reserve - Black Label

2016 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1516
Acuity$ 1516
Allied$ 1344
Allied$ 1344
Erie$ 969
Erie$ 969
Mercury$ 1591
Mercury$ 1591
Nationwide$ 1369
Nationwide$ 1369
Plymouth Rock Insurance$ 1266
Plymouth Rock Insurance$ 1266
Progressive$ 1576
Progressive$ 1576
State Farm$ 1562
State Farm$ 1562
Tennessee Farmers$ 1186
Tennessee Farmers$ 1186
Texas Farm Bureau$ 1136
Texas Farm Bureau$ 1136
USAA$ 1230
USAA$ 1230
Vermont Mutual$ 1498
Vermont Mutual$ 1498

Compare all 2016 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1564

List Price

$ 35190

Trims Available

Base - Black Label

2015 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1522
Acuity$ 1522
Allied$ 1367
Allied$ 1367
Erie$ 955
Erie$ 955
Mercury$ 1569
Mercury$ 1569
Nationwide$ 1400
Nationwide$ 1400
Plymouth Rock Insurance$ 1238
Plymouth Rock Insurance$ 1238
Progressive$ 1355
Progressive$ 1355
State Farm$ 1377
State Farm$ 1377
Tennessee Farmers$ 1516
Tennessee Farmers$ 1516
Texas Farm Bureau$ 1121
Texas Farm Bureau$ 1121
USAA$ 1156
USAA$ 1156
Vermont Mutual$ 1510
Vermont Mutual$ 1510

Compare all 2015 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1506

List Price

$ 35190

Trims Available

Base - Black Label

2014 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1279
Acuity$ 1279
Allied$ 1378
Allied$ 1378
American Family$ 1524
American Family$ 1524
Arbella$ 1532
Arbella$ 1532
Country$ 1451
Country$ 1451
Erie$ 921
Erie$ 921
Nationwide$ 1520
Nationwide$ 1520
Plymouth Rock Insurance$ 1204
Plymouth Rock Insurance$ 1204
Tennessee Farmers$ 1272
Tennessee Farmers$ 1272
Texas Farm Bureau$ 1073
Texas Farm Bureau$ 1073
USAA$ 1194
USAA$ 1194
Vermont Mutual$ 1213
Vermont Mutual$ 1213

Compare all 2014 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1454

List Price

$ 35190

Trims Available

Base

2013 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1328
Acuity$ 1328
Allied$ 1337
Allied$ 1337
American Family$ 1339
American Family$ 1339
Erie$ 855
Erie$ 855
Nationwide$ 1452
Nationwide$ 1452
Plymouth Rock Insurance$ 1159
Plymouth Rock Insurance$ 1159
Progressive$ 1403
Progressive$ 1403
State Farm$ 1470
State Farm$ 1470
Tennessee Farmers$ 1364
Tennessee Farmers$ 1364
Texas Farm Bureau$ 1047
Texas Farm Bureau$ 1047
USAA$ 1107
USAA$ 1107
Vermont Mutual$ 1270
Vermont Mutual$ 1270

Compare all 2013 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1463

List Price

$ 35925

Trims Available

Base

2012 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1137
Acuity$ 1137
Allied$ 1260
Allied$ 1260
American Family$ 1277
American Family$ 1277
Arbella$ 1269
Arbella$ 1269
Erie$ 853
Erie$ 853
GEICO$ 1347
GEICO$ 1347
Plymouth Rock Insurance$ 1107
Plymouth Rock Insurance$ 1107
Southern Farm Bureau$ 1376
Southern Farm Bureau$ 1376
Tennessee Farmers$ 1091
Tennessee Farmers$ 1091
Texas Farm Bureau$ 944
Texas Farm Bureau$ 944
USAA$ 1129
USAA$ 1129
Vermont Mutual$ 991
Vermont Mutual$ 991

Compare all 2012 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1309

List Price

$ 34755

Trims Available

Base

2011 Lincoln MKZ

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1258
Allied$ 1258
American Family$ 1220
American Family$ 1220
Amica$ 1291
Amica$ 1291
Arbella$ 1038
Arbella$ 1038
Erie$ 829
Erie$ 829
GEICO$ 1283
GEICO$ 1283
Plymouth Rock Insurance$ 1084
Plymouth Rock Insurance$ 1084
Southern Farm Bureau$ 1290
Southern Farm Bureau$ 1290
Tennessee Farmers$ 1053
Tennessee Farmers$ 1053
Texas Farm Bureau$ 902
Texas Farm Bureau$ 902
USAA$ 1109
USAA$ 1109
Vermont Mutual$ 924
Vermont Mutual$ 924

Compare all 2011 Lincoln MKZ rates

Average Cost to Insure Per Year

$ 1290

List Price

$ 34645

Trims Available

Base