Lincoln MKZ Insurance Cost in Ohio
Insuring a Lincoln MKZ in Ohio costs about $1,070 a year ($89/month) for full coverage by our estimate — −28% versus the same car nationally — the 10th cheapest of 51 states for this model.
Lincoln MKZ insurance in Ohio at a glance
The Lincoln MKZ is 6% cheaper than the average vehicle to insure in Ohio. Ohio's own base rates are 26% lower than the national average, which carries through to every model.
Ohio factors that affect MKZ premiums
- Uninsured drivers: 18.5% of Ohio drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your MKZ.
- Theft: 181 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Ohio's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively high for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.00 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Lincoln MKZ insurance cost in Ohio cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Columbus | $1,155 | $415 | +8% |
| Cleveland | $1,170 | $420 | +9% |
| Cincinnati | $1,160 | $420 | +8% |
| Toledo | $1,120 | $405 | +5% |
| Akron | $1,145 | $410 | +7% |
| Dayton | $1,110 | $400 | +4% |
| Parma | $1,175 | $425 | +10% |
| Canton | $1,100 | $395 | +3% |
| Middletown | $1,135 | $410 | +6% |
| Wooster | $1,050 | $380 | −2% |
Lincoln MKZ insurance in Ohio by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,055 | $1,530 | $2,935 | $245 |
| Young adult (22) | $615 | $890 | $1,710 | $143 |
| Adult in their 30s | $385 | $555 | $1,070 | $89 |
| Adult in their 50s | $355 | $515 | $980 | $82 |
| Senior (72) | $430 | $625 | $1,195 | $100 |
| 30s, one at-fault accident | $555 | $810 | $1,550 | $129 |
| 30s, DUI on record | $710 | $1,030 | $1,975 | $165 |
Coverage levels
| 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. | $385 | $32 | $315–$455 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $555 | $46 | $455–$655 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,070 | $89 | $875–$1,260 |
Ohio minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Ohio
| Model | Full coverage in OH | vs. MKZ |
|---|---|---|
| Jaguar XJ | $1,320 | +23% |
| Infiniti G37 | $1,320 | +23% |
| Acura RL | $1,320 | +23% |
| Lexus CT | $1,320 | +23% |
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Lincoln MKZ insurance cost in every state · All Lincoln models
Frequently asked questions
How much is Lincoln MKZ insurance in Ohio?
About $1,070 a year ($89 a month) for full coverage and $385 for Ohio's minimum liability, for a driver in their 30s with a clean record. That is 28% less than the national estimate for the same car.
Is the Lincoln MKZ cheaper to insure than the average car in Ohio?
The average vehicle in Ohio is about $1,140 a year for full coverage in our model, so the Lincoln MKZ is 6% cheaper than average.
Where in Ohio is Lincoln MKZ insurance cheapest?
Among the largest Ohio cities, Wooster has the lowest estimate (about $1,050) and Parma the highest (about $1,175).
What insurance do I need for a Lincoln MKZ in Ohio?
Ohio requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Ohio Department of Insurance: Auto Insurance Minimum Coverage Requirements
- Ohio Revised Code 3937.18 (uninsured and underinsured motorist coverage)
- Ohio BMV: Non-Compliance Suspension
- Ohio Administrative Code 4501:1-2-01 (proof of financial responsibility)
- Ohio Department of Insurance: Consumer Complaint Information
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey