2013 Lincoln MKZ Car Insurance Calculator

Get instant feedback how changes to risk factors and vehicle options affect car insurance rates for a 2013 Lincoln MKZ. Tailor settings like liability limits, policy deductibles, and driver age to understand how each affects your rate. Immediately discover if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2013 Lincoln MKZ is $1,578 per year, or about $132 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

$1,578

Cost Per Month

$132

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 2013 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.

$1,578
Average Rate
Your Rate
$1,578

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.

The 'Average Rate' is a combined value for all 2013 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 2013 Lincoln MKZ is $1,578.

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.

2013 Lincoln MKZ Segment Comparison

The table below compares insurance rates for the 2013 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.

2013 Lincoln MKZ Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$144
2Acura TL$1,458-$120
3Acura ILX$1,492-$86
4Acura TSX$1,532-$46
5Volvo C70$1,558-$20
6Lincoln MKZ$1,578--
7Lexus GS 350$1,586$8
8Lexus ES 350$1,614$36
9Audi A6$1,618$40
10Lexus ES 300H$1,640$62
11Mercedes-Benz SLK55 AMG$1,654$76
12Mercedes-Benz C350$1,692$114
13Volvo S80$1,750$172
14Infiniti G37$1,776$198
15Audi S5$1,786$208
16Mercedes-Benz E350$1,800$222
17BMW 528xi$1,802$224
18Hyundai Genesis$1,806$228
19Infiniti M35$1,818$240
20Jaguar XF$1,822$244
21Mercedes-Benz E550$1,848$270
22Mercedes-Benz E400$1,858$280
23Infiniti M37$1,864$286
24BMW 535xi$1,886$308
25BMW 550xi$1,906$328
26Audi S4$1,912$334
27BMW 528i$1,914$336
28BMW Activehybrid 5$1,926$348
29BMW 535i$1,958$380
2013 Midsize Luxury Car Average$1,963$385
30Audi RS 5$1,966$388
31BMW 550i$1,980$402
32Jaguar XK$1,996$418
33Mercedes-Benz SL550$2,010$432
34Audi S6$2,064$486
35BMW 640i$2,126$548
36Mercedes-Benz S400$2,152$574
37Audi S7$2,170$592
38Audi A7$2,194$616
39Tesla Model S$2,266$688
40Jaguar XKR$2,298$720
41Mercedes-Benz S350$2,324$746
42BMW M6$2,334$756
43BMW 650xi$2,370$792
44BMW M5$2,380$802
45Mercedes-Benz SL63 AMG$2,572$994
46Mercedes-Benz CL63 AMG$2,820$1,242
47Mercedes-Benz SLS AMG$2,920$1,342
48Mercedes-Benz SL65 AMG$3,012$1,434

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.

2013 MKZ Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 Lincoln MKZ Insurance Rates by Trim Level
2013 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Sedan$1,522$127
AWD Sedan$1,560$130
Hybrid Sedan$1,658$138

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 2013 Lincoln MKZ for different driver ages.

2013 Lincoln MKZ Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,664$472
17$5,445$454
18$4,803$400
19$4,408$367
20$3,367$281
21$3,215$268
22$2,870$239
23$2,391$199
24$2,249$187
25$1,828$152
30$1,676$140
35$1,628$136
40$1,578$132
45$1,484$124
50$1,412$118
55$1,318$110
60$1,320$110
65$1,400$117
70$1,524$127
75$1,810$151
80$2,222$185

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.