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Lincoln MKZ insurance rates

Average Lincoln MKZ insurance rates

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Lincoln MKZ 2020 red car

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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.

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
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30%
All 50 states
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Clearcover
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Yes
AZ, CA, IL, LA, OH, TX, UT and WI
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Assurance
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Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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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%.

ModelMonthly insurance rateBase car price
Continental$220.00$44,720
MKC$159.00$32,880
MKT$157.00$43,530
MKX$157.00$38,260
MKZ$220.00$35,170
Navigator$159.00$63,515

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
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

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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.

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