Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.
Lincoln MKZ insurance rates
Average Lincoln MKZ insurance rates
Compare car insurance quotes
Enter your ZIP code below and click Compare to see the cheapest rates in your area.
The average insurance costs for a Lincoln MKZ is $220 a month — or $2,640 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors.
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
- Free replacement cost coverage
- Disappearing deductibles and lower deductibles for not-at-fault accidents
- Exclusive AARP member benefits that increase over time
- Perks like $2,500 for home services after an accident
Compare insurance for your Lincoln MKZ
Lincoln MKZ car insurance rates
A 2017 Lincoln MKZ starts at a base price of $35,170. With the average insurance rate at $2,640 per year, the annual insurance cost–to–base car price ratio is 7.5%.
|Model||Monthly insurance rate||Base car price|
About the Lincoln MKZ
The Lincoln MKZ has been around since 2006 and is currently in its second generation. The car was known as the Lincoln Zephyr until 2007, when Lincoln renamed the model to MKZ. The midsize luxury car is known for its smooth ride and strong acceleration. There is a Lincoln MKZ Hybrid available for superior fuel efficiency.
Insurance companies determine the insurance cost for a Lincoln MKZ based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Lincoln shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Lincoln MKZ shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.
Lincoln MKZ money-saving safety features
You could save money on car insurance for your Lincoln MKZ if it comes equipped with these safety features.
- Anti-lock brakes
- Stability control
- Seatbelt pretensioners
- Anti theft system
How safe is the Lincoln MKZ?
The 2017 Lincoln MKZ was awarded a 5-Star Overall Safety Rating by the National Highway Traffic Safety Administration (NHTSA). The vehicle scored five stars, the highest rating, in the side crash test by the NHTSA. The organization also gave four stars for the rollover crash test and the frontal crash test. The Insurance Institute for Highway Safety (IIHS) named the Lincoln MKZ as a Top Safety Pick+ car. The IIHS gave good ratings, highest possible rating, to all Lincoln MKZ crash tests.
The latest model of the Lincoln MKZ include blind spot monitoring, side mounted airbags and antilock brakes.
In 2013, there were only 24 Lincoln MKZ models stolen. That is a 0.9 theft rate based on the number of MKZ models produced that year.
How does the Lincoln MKZ compare to other car models?
From a price standpoint, the Lincoln MKZ ranks right in the middle of our list of the 360 priciest car models to insure.
Read more on this topic
Compare Polestar car insurance rates
Discover this luxury electric brand’s typical car insurance premiums and factors that affect your rate.
Say car insurance review Sep 2020
Offers a transparent look at your premiums and rewards renewal with a better insurance score.
Compare bus conversion insurance
Find and qualify for the right type of policy when living in a skoolie.
Kia Mohave insurance rates
Get cheap car insurance quotes and find the best policies for your Kia Mohave.
Kia Niro insurance rates
Get cheap car insurance quotes and find the best policies for your Kia Niro.
Is online driver’s ed worth it?
Pick the right online driver’s ed program and learn how long it takes to complete one.
Ferrari F8 Tributo insurance rates
Get cheap car insurance quotes and find the best policies for your Ferrari F8 Tributo.
Compare Plymouth Rock vs Progressive car insurance
Who has the best car insurance, Plymouth Rock or Progressive?
Compare Ameriprise vs State Farm car insurance
Who has the best car insurance, Ameriprise or State Farm?
Polestar 2 insurance rates
Get cheap car insurance quotes and find the best policies for your Polestar 2.
Ask an Expert