Lincoln MKZ Auto Insurance Rates

Finding the best Lincoln MKZ auto insurance rates isn't hard to do, but there are a lot of things you should know to help get affordable car insurance that still meets your needs. Lincoln MKZ car insurance prices depend on your driving record, your age, your insurance company, and even your credit score. Where you live is important, too. Columbus, Ohio drivers will pay an average of $1,358 a year for their MKZ insurance, while Los Angeles, California Lincoln MKZ insurance rates average $2,798 a year. You can even save simply by shopping around. A great way to make sure you're getting the best insurance rate no matter where you live is to get quotes from several of the best auto insurance companies to compare.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The MKZ is the entry-level car for Lincoln. It’s a midsize, luxury sedan and it starts at just under $35,000. Though as a buyer in the market for a new car, you’ll want to consider the costs of owning the car. How fuel-efficient is the car? This particular model gets 18/27 city/hwy, for example.

Other costs of ownership usually include insurance. If you want to find cheap car insurance rates for your MKZ, there are a few things you should know. Lincoln MKZ auto insurance rates are ____ on average but can vary widely depending on where you live, your driving record, and even your credit.

One of the best ways to save on Lincoln MKZ insurance is to compare multiple quotes from different insurance providers. You can use our FREE comparison tool to get multiple rates right now.

If you want to learn how to save on Lincoln MKZ insurance, please read on.

Lincoln MKZ: Ratings & Reviews

The 2012 MKZ is a solid choice in its class, but unfortunately, there are a lot of other cars in the luxury segment which surpass it for the price at which it is offered. It is a comfortable car and contains a lot of tech features. It provides an ordinary driving experience more consistent with being serene and comfortable than fast-paced and spirited. Fuel economy can be improved upon by opting for the hybrid version of this car.

However, it doesn’t look or feel refined enough to call it a luxury car. The price tag seems out of place. It has adequate acceleration with its V6, and can be decked out with several features by upgrading to other packages.

Standard on all models is a wide array of features including keyless entry (with outside keypad) & ignition, foglights, automatic climate control, rear parking sensors, heated front seats, leather upholstery, and a 9-speaker stereo with six-CD changer, USB, and satellite radio.

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These Companies Offer the Cheapest Lincoln MKZ Insurance

Lincoln MKZ: Associated Insurance Costs

Luxury cars are typically expensive to insure; however, there are ways to lower your premium. Take a look at your current insurance policy; do you need everything on there? Consider lowering certain levels of coverage for monthly savings.

For example, if you’ve been accident-free for several years and are a safe driver, you may consider raising the deductible on your collision coverage. This will net you instant savings on your monthly premium, though you’ll be responsible for more costs upfront in the event of an accident.

Perhaps the most important factor to consider is when you’re actually shopping around for an insurance company. Do your research. Get quotes from at least 3 different insurers so that you can compare. Remember, while one insurer might not offer a given discount or incentive, another might!

Lincoln MKZ: Safety Ratings

The 2012 MKZ has been recognized as a Top Safety Pick by the IIHS. In order to receive this title, a car must get the top score of “Good” on all crash tests from the IIHS. The NHTSA has also rated this car, and given it an overall rating of 4/5 stars. On individual crash tests, it scored the following:

  • Front Crash Tests: 3 stars
  • Side Impact: 4 stars
  • Rollover tests: 4/5 stars

These are important because the safer your car is considered, the lower your insurance premium is likely to be.

Lincoln MKZ: Obtain an Insurance Quote

Enter your ZIP code into our FREE online tool, and get your free quote today!

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