Lincoln MKZ vs Acura ILX Insurance Cost

The Lincoln MKZ is cheaper to insure by about $85 a year for full coverage by our estimate ($1,495 vs. $1,580), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Lincoln MKZ	Acura ILX	Difference
State minimum	$585	$585	—
Standard (100/300/100)	$845	$845	—
Full coverage	$1,495	$1,580	−$85

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = MKZ minus ILX.

Why one costs more to insure

Factor	Lincoln MKZ	Acura ILX
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Hybrid	Gasoline, Hybrid
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	2

MKZ vs ILX insurance by state

State	MKZ	ILX	Difference
Alabama	$1,300	$1,385	−$85
Alaska	$1,310	$1,390	−$80
Arizona	$1,565	$1,650	−$85
Arkansas	$1,315	$1,405	−$90
California	$1,470	$1,565	−$95
Colorado	$1,690	$1,795	−$105
Connecticut	$1,590	$1,670	−$80
Delaware	$1,670	$1,740	−$70
District of Columbia	$1,885	$2,000	−$115
Florida	$2,135	$2,220	−$85
Georgia	$1,850	$1,935	−$85
Hawaii	$1,035	$1,100	−$65
Idaho	$1,015	$1,075	−$60
Illinois	$1,295	$1,375	−$80
Indiana	$1,060	$1,130	−$70
Iowa	$1,010	$1,085	−$75
Kansas	$1,190	$1,270	−$80
Kentucky	$1,255	$1,325	−$70
Louisiana	$2,065	$2,180	−$115
Maine	$950	$1,015	−$65
Maryland	$1,680	$1,770	−$90
Massachusetts	$1,470	$1,560	−$90
Michigan	$1,630	$1,730	−$100
Minnesota	$1,245	$1,325	−$80
Mississippi	$1,425	$1,515	−$90
Missouri	$1,355	$1,440	−$85
Montana	$1,185	$1,270	−$85
Nebraska	$1,190	$1,275	−$85
Nevada	$1,720	$1,785	−$65
New Hampshire	$1,065	$1,130	−$65
New Jersey	$1,800	$1,885	−$85
New Mexico	$1,340	$1,420	−$80
New York	$2,005	$2,100	−$95
North Carolina	$1,115	$1,195	−$80
North Dakota	$955	$1,030	−$75
Ohio	$1,070	$1,135	−$65
Oklahoma	$1,340	$1,435	−$95
Oregon	$1,340	$1,405	−$65
Pennsylvania	$1,305	$1,390	−$85
Rhode Island	$1,805	$1,895	−$90
South Carolina	$1,595	$1,670	−$75
South Dakota	$1,135	$1,225	−$90
Tennessee	$1,240	$1,325	−$85
Texas	$1,765	$1,880	−$115
Utah	$1,355	$1,425	−$70
Vermont	$970	$1,040	−$70
Virginia	$1,285	$1,360	−$75
Washington	$1,305	$1,365	−$60
West Virginia	$1,245	$1,330	−$85
Wisconsin	$1,020	$1,085	−$65
Wyoming	$1,160	$1,255	−$95

By driver profile (full coverage)

Driver	MKZ	ILX
Teen driver (18, own policy)	$4,110	$4,345
Young adult (22)	$2,390	$2,530
Adult in their 30s	$1,495	$1,580
Adult in their 50s	$1,375	$1,455
Senior (72)	$1,675	$1,770
30s, one at-fault accident	$2,170	$2,290
30s, DUI on record	$2,765	$2,925

More comparisons

Frequently asked questions

Is the Lincoln MKZ or the Acura ILX cheaper to insure?

By our estimate the Lincoln MKZ is cheaper, by about $85 a year for full coverage ($1,495 vs. $1,580) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lincoln MKZ and Acura ILX?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page