Lincoln MKZ Car Insurance Calculator

Discover and learn how different risk factors impact the insurance cost for a Lincoln MKZ. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2020 Lincoln MKZ is $2,248 per year, or about $187 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,248

Cost Per Month

$187

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lincoln MKZ Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lincoln MKZ.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,248
Average Rate
Your Rate
$2,248

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lincoln MKZ.

The 'Average Rate' is a combined value for all Lincoln MKZ trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Lincoln MKZ is $2,248.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Lincoln MKZ Segment Comparison

The table below compares insurance rates for the 2020 Lincoln MKZ against all other models in the midsize luxury car segment. The Lincoln MKZ is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lincoln MKZ, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln MKZ.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Lincoln MKZ Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$362
2Lexus RC 300$2,168-$80
3Mercedes-Benz SLC300$2,230-$18
4Lexus ES 350$2,238-$10
5Lincoln MKZ$2,248--
6Mercedes-Benz AMG CLA45$2,268$20
7Jaguar XE$2,272$24
8Lexus IS 300$2,276$28
9Audi A3$2,316$68
10Cadillac CT5$2,354$106
11Audi S5$2,414$166
12Lexus GS 350$2,478$230
13Mercedes-Benz E350$2,488$240
14Lexus ES 300H$2,526$278
15Audi S4$2,550$302
16BMW 530i$2,558$310
17BMW 540i$2,582$334
18Mercedes-Benz CLA250$2,598$350
19Genesis G80$2,604$356
20Audi A6$2,614$366
21Mercedes-Benz E450$2,644$396
22BMW 430i$2,666$418
23Mercedes-Benz CLS450$2,700$452
24Jaguar XF$2,702$454
2020 Midsize Luxury Car Average$2,704$456
25BMW 440i$2,796$548
26Mercedes-Benz AMG C43$2,804$556
27Mercedes-Benz SL450$2,822$574
28Audi RS 5$2,838$590
29Audi S6$2,898$650
30Infiniti Q50$2,926$678
31BMW 530e$2,942$694
32Lexus GS F$3,016$768
33Mercedes-Benz AMG C63$3,056$808
34BMW M550i$3,110$862
35Mercedes-Benz SL550$3,136$888
36Tesla Model S$3,192$944
37Audi A7$3,236$988
38Lexus LC 500H$3,320$1,072
39Audi S7$3,444$1,196
40BMW M8$3,448$1,200
41BMW M5$3,494$1,246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 MKZ Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Lincoln MKZ.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Lincoln MKZ Insurance Rates by Trim Level
2020 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Standard AWD$2,106$176
Standard Sedan$2,106$176
Reserve Sedan$2,168$181
Reserve AWD$2,212$184
Hybrid Standard Sedan$2,372$198
Hybrid Reserve Sedan$2,526$211

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Lincoln MKZ for different driver ages.

2020 Lincoln MKZ Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,085$674
17$7,807$651
18$6,945$579
19$6,343$529
20$4,846$404
21$4,622$385
22$4,130$344
23$3,413$284
24$3,217$268
25$2,610$218
30$2,392$199
35$2,314$193
40$2,248$187
45$2,108$176
50$1,996$166
55$1,862$155
60$1,866$156
65$1,988$166
70$2,160$180
75$2,554$213
80$3,150$263

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lincoln MKZ trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lincoln MKZ.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lincoln MKZ Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2020 Lincoln MKZ$2,248$187
2019 Lincoln MKZ$2,166$181
2018 Lincoln MKZ$2,158$180
2017 Lincoln MKZ$2,070$173
2016 Lincoln MKZ$1,914$160
2015 Lincoln MKZ$1,726$144
2014 Lincoln MKZ$1,536$128
2013 Lincoln MKZ$1,578$132

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lincoln MKZ trim levels for each model year.