Lincoln MKZ Insurance Cost in Oregon

Insuring a Lincoln MKZ in Oregon costs about $1,340 a year ($112/month) for full coverage by our estimate — −10% versus the same car nationally — the 22nd most expensive of 51 states for this model.

Lincoln MKZ (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

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

Lincoln MKZ insurance in Oregon at a glance

Full coverage

$1,340

$1,100–$1,585

25/50/20 minimum

$595

$50/mo

Same car nationally

$1,495

full coverage

Avg. car in OR

$1,425

−6% for the MKZ

The Lincoln MKZ is 6% cheaper than the average vehicle to insure in Oregon. Oregon's own base rates are 9% lower than the national average, which carries through to every model.

Oregon factors that affect MKZ premiums

Uninsured drivers: 14.7% of Oregon drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your MKZ.
Theft: 215 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Oregon's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.44 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Oregon →

Lincoln MKZ insurance cost in Oregon cities

City	Full coverage	Minimum	vs. state
Portland	$1,525	$675	+14%
Salem	$1,480	$655	+10%
Eugene	$1,435	$635	+7%
Gresham	$1,550	$685	+16%
Hillsboro	$1,495	$665	+12%
Bend	$1,385	$615	+3%
Beaverton	$1,530	$680	+14%
Medford	$1,385	$615	+3%

Lincoln MKZ insurance in Oregon by driver

Estimated annual Lincoln MKZ premium in Oregon
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,635	$2,375	$3,690	$308
Young adult (22)	$950	$1,380	$2,145	$179
Adult in their 30s	$595	$865	$1,340	$112
Adult in their 50s	$545	$795	$1,235	$103
Senior (72)	$665	$965	$1,505	$125
30s, one at-fault accident	$865	$1,250	$1,945	$162
30s, DUI on record	$1,100	$1,595	$2,485	$207

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$595	$50	$490–$700
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$865	$72	$710–$1,020
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,340	$112	$1,100–$1,585

Oregon minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oregon

Model	Full coverage in OR	vs. MKZ
Jaguar XJ	$1,590	+19%
Infiniti G37	$1,590	+19%
Acura RL	$1,590	+19%
Lexus CT	$1,590	+19%

Estimate your MKZ premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Lincoln MKZ insurance cost in every state · All Lincoln models

Frequently asked questions

How much is Lincoln MKZ insurance in Oregon?

About $1,340 a year ($112 a month) for full coverage and $595 for Oregon's minimum liability, for a driver in their 30s with a clean record. That is 10% less than the national estimate for the same car.

Is the Lincoln MKZ cheaper to insure than the average car in Oregon?

The average vehicle in Oregon is about $1,425 a year for full coverage in our model, so the Lincoln MKZ is 6% cheaper than average.

Where in Oregon is Lincoln MKZ insurance cheapest?

Among the largest Oregon cities, Bend has the lowest estimate (about $1,385) and Gresham the highest (about $1,550).

What insurance do I need for a Lincoln MKZ in Oregon?

Oregon requires at least 25/50/20 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.

Sources used on this page