Lincoln MKZ vs BMW i3 Insurance Cost

The Lincoln MKZ is cheaper to insure by about $70 a year for full coverage by our estimate ($1,495 vs. $1,565), 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	BMW i3	Difference
State minimum	$585	$600	−$15
Standard (100/300/100)	$845	$870	−$25
Full coverage	$1,495	$1,565	−$70

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = MKZ minus i3.

Why one costs more to insure

Factor	Lincoln MKZ	BMW i3
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Hybrid	Plug-in hybrid, Electric
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	1

MKZ vs i3 insurance by state

State	MKZ	i3	Difference
Alabama	$1,300	$1,365	−$65
Alaska	$1,310	$1,370	−$60
Arizona	$1,565	$1,635	−$70
Arkansas	$1,315	$1,380	−$65
California	$1,470	$1,540	−$70
Colorado	$1,690	$1,770	−$80
Connecticut	$1,590	$1,660	−$70
Delaware	$1,670	$1,740	−$70
District of Columbia	$1,885	$1,975	−$90
Florida	$2,135	$2,220	−$85
Georgia	$1,850	$1,930	−$80
Hawaii	$1,035	$1,080	−$45
Idaho	$1,015	$1,060	−$45
Illinois	$1,295	$1,355	−$60
Indiana	$1,060	$1,115	−$55
Iowa	$1,010	$1,060	−$50
Kansas	$1,190	$1,250	−$60
Kentucky	$1,255	$1,315	−$60
Louisiana	$2,065	$2,160	−$95
Maine	$950	$995	−$45
Maryland	$1,680	$1,755	−$75
Massachusetts	$1,470	$1,540	−$70
Michigan	$1,630	$1,705	−$75
Minnesota	$1,245	$1,305	−$60
Mississippi	$1,425	$1,495	−$70
Missouri	$1,355	$1,420	−$65
Montana	$1,185	$1,245	−$60
Nebraska	$1,190	$1,250	−$60
Nevada	$1,720	$1,790	−$70
New Hampshire	$1,065	$1,115	−$50
New Jersey	$1,800	$1,880	−$80
New Mexico	$1,340	$1,405	−$65
New York	$2,005	$2,095	−$90
North Carolina	$1,115	$1,170	−$55
North Dakota	$955	$1,000	−$45
Ohio	$1,070	$1,120	−$50
Oklahoma	$1,340	$1,410	−$70
Oregon	$1,340	$1,400	−$60
Pennsylvania	$1,305	$1,365	−$60
Rhode Island	$1,805	$1,885	−$80
South Carolina	$1,595	$1,665	−$70
South Dakota	$1,135	$1,195	−$60
Tennessee	$1,240	$1,300	−$60
Texas	$1,765	$1,850	−$85
Utah	$1,355	$1,415	−$60
Vermont	$970	$1,020	−$50
Virginia	$1,285	$1,345	−$60
Washington	$1,305	$1,360	−$55
West Virginia	$1,245	$1,305	−$60
Wisconsin	$1,020	$1,070	−$50
Wyoming	$1,160	$1,220	−$60

By driver profile (full coverage)

Driver	MKZ	i3
Teen driver (18, own policy)	$4,110	$4,300
Young adult (22)	$2,390	$2,500
Adult in their 30s	$1,495	$1,565
Adult in their 50s	$1,375	$1,440
Senior (72)	$1,675	$1,750
30s, one at-fault accident	$2,170	$2,265
30s, DUI on record	$2,765	$2,895

More comparisons

Frequently asked questions

Is the Lincoln MKZ or the BMW i3 cheaper to insure?

By our estimate the Lincoln MKZ is cheaper, by about $70 a year for full coverage ($1,495 vs. $1,565) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lincoln MKZ and BMW i3?

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