Lincoln MKZ Insurance Cost
Full coverage for a Lincoln MKZ costs about $1,495 a year ($125/month) by our estimate — ▼ −6% versus the average vehicle.
Lincoln MKZ insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2020 model year. Our vehicle data covers the 2007–2020 model years of the Lincoln MKZ, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $585 | $49 | $480–$690 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $845 | $71 | $695–$1,000 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,495 | $125 | $1,225–$1,765 |
What drives the cost of insuring a Lincoln MKZ
HLDI does not publish loss results for the Lincoln MKZ, so our estimate uses the typical losses of its segment (Luxury car): 0.95× average for liability, 1.40× for collision and 1.25× for comprehensive.
- Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 3 NHTSA recall campaigns and 60 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Lincoln MKZ trims and configurations (2020)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| MKZ AWD | AWD | 2.0L 4-cyl Turbo | 23 |
| MKZ AWD | AWD | 3.0L 6-cyl Turbo | 20 |
| MKZ FWD | FWD | 2.0L 4-cyl Turbo | 24 |
| MKZ FWD | FWD | 3.0L 6-cyl Turbo | 21 |
| MKZ Hybrid FWD | FWD | 2.0L 4-cyl Hybrid | 41 |
Lincoln MKZ insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2020 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD, FWD | 20–41 | $1,495 |
| 2019 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD, FWD | 20–41 | $1,450 |
| 2018 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD, FWD | 20–40 | $1,410 |
| 2017 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD, FWD | 20–40 | $1,365 |
| 2016 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.7L 6-cyl | AWD, FWD | 20–40 | $1,325 |
| 2015 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.7L 6-cyl | AWD, FWD | 21–40 | $1,320 |
| 2014 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.7L 6-cyl | AWD, FWD | 21–38 | $1,320 |
| 2013 | 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo, 3.7L 6-cyl | AWD, FWD | 21–38 | $1,320 |
| 2012 | 2.5L 4-cyl Hybrid, 3.5L 6-cyl | AWD, FWD | 19–38 | $1,320 |
| 2011 | 2.5L 4-cyl Hybrid, 3.5L 6-cyl | 4WD, FWD | 19–38 | $1,320 |
| 2010 | 3.5L 6-cyl | AWD, FWD | 19–21 | $1,320 |
| 2009 | 3.5L 6-cyl | 4WD/AWD, FWD | 19–21 | $1,320 |
| 2008 | 3.5L 6-cyl | 4WD/AWD, FWD | 19–22 | $1,320 |
| 2007 | 3.5L 6-cyl | 4WD/AWD, FWD | 19–20 | $1,320 |
Lincoln MKZ insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the MKZ page for that state.
Lincoln MKZ insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,605 | $2,325 | $4,110 | $343 |
| Young adult (22) | $935 | $1,355 | $2,390 | $199 |
| Adult in their 30s | $585 | $845 | $1,495 | $125 |
| Adult in their 50s | $535 | $780 | $1,375 | $115 |
| Senior (72) | $655 | $950 | $1,675 | $140 |
| 30s, one at-fault accident | $845 | $1,225 | $2,170 | $181 |
| 30s, DUI on record | $1,080 | $1,565 | $2,765 | $230 |
Lincoln MKZ vs. rivals
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Frequently asked questions
How much is insurance for a Lincoln MKZ?
We estimate about $1,495 a year ($125 a month) for full coverage and $585 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% less than the average vehicle.
Which state is cheapest to insure a Lincoln MKZ?
Maine has the lowest estimate (about $950 a year for full coverage) and Florida the highest (about $2,135).
What is the Lincoln MKZ's NHTSA safety rating?
The 2020 Lincoln MKZ earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Lincoln MKZ cheaper to insure than the Jaguar XJ?
By our estimate the Lincoln MKZ costs about $1,495 a year versus $1,820 for the Jaguar XJ, making it the cheaper of the two to insure.
How much is Lincoln MKZ insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,110 a year at national-average rates by our estimate.
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.