Lincoln MKZ Insurance Cost in Pennsylvania
Insuring a Lincoln MKZ in Pennsylvania costs about $1,305 a year ($109/month) for full coverage by our estimate — −13% versus the same car nationally — the 24th cheapest of 51 states for this model.
Lincoln MKZ insurance in Pennsylvania at a glance
The Lincoln MKZ is 6% cheaper than the average vehicle to insure in Pennsylvania. Pennsylvania's own base rates are 10% lower than the national average, which carries through to every model.
Pennsylvania factors that affect MKZ premiums
- Uninsured drivers: 11.0% of Pennsylvania drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your MKZ.
- Theft: 187 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Pennsylvania's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively high for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.18 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: Choice no-fault, with required personal injury protection.
Lincoln MKZ insurance cost in Pennsylvania cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Philadelphia | $1,610 | $500 | +23% |
| Pittsburgh | $1,415 | $440 | +8% |
| Allentown | $1,465 | $455 | +12% |
| Reading | $1,485 | $460 | +14% |
| Erie | $1,340 | $420 | +3% |
| Bethlehem | $1,385 | $430 | +6% |
| Scranton | $1,320 | $415 | +1% |
| Lancaster | $1,465 | $455 | +12% |
| York | $1,450 | $455 | +11% |
Lincoln MKZ insurance in Pennsylvania by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,110 | $1,790 | $3,585 | $299 |
| Young adult (22) | $645 | $1,045 | $2,085 | $174 |
| Adult in their 30s | $405 | $650 | $1,305 | $109 |
| Adult in their 50s | $370 | $600 | $1,200 | $100 |
| Senior (72) | $455 | $730 | $1,460 | $122 |
| 30s, one at-fault accident | $585 | $945 | $1,890 | $158 |
| 30s, DUI on record | $750 | $1,205 | $2,415 | $201 |
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. | $405 | $34 | $330–$475 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $650 | $54 | $535–$770 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,305 | $109 | $1,070–$1,540 |
Pennsylvania minimum: 15/30/5 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Pennsylvania
| Model | Full coverage in PA | vs. MKZ |
|---|---|---|
| Jaguar XJ | $1,625 | +25% |
| Infiniti G37 | $1,625 | +25% |
| Acura RL | $1,625 | +25% |
| Lexus CT | $1,625 | +25% |
Estimate your MKZ premium by ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Lincoln MKZ insurance cost in every state · All Lincoln models
Frequently asked questions
How much is Lincoln MKZ insurance in Pennsylvania?
About $1,305 a year ($109 a month) for full coverage and $405 for Pennsylvania's minimum liability, for a driver in their 30s with a clean record. That is 13% less than the national estimate for the same car.
Is the Lincoln MKZ cheaper to insure than the average car in Pennsylvania?
The average vehicle in Pennsylvania is about $1,390 a year for full coverage in our model, so the Lincoln MKZ is 6% cheaper than average.
Where in Pennsylvania is Lincoln MKZ insurance cheapest?
Among the largest Pennsylvania cities, Scranton has the lowest estimate (about $1,320) and Philadelphia the highest (about $1,610).
What insurance do I need for a Lincoln MKZ in Pennsylvania?
Pennsylvania requires at least 15/30/5 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.
- Pennsylvania Insurance Department: Auto Insurance Guide
- PennDOT: Insurance Law Overview fact sheet
- Pennsylvania Insurance Department: Auto Insurance
- PennDOT: Financial Responsibility (Insurance) FAQs
- Pennsylvania Insurance Department: Complaints, Questions & Help
- 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