2014 Lincoln MKZ Car Insurance Calculator

Gain insights into how seemingly small changes impact car insurance rates for a 2014 Lincoln MKZ. Fine-tune factors like policy discounts, MKZ trim level, driving record, and coverage amounts. Know immediately whether your choice results in cheaper or more expensive rates.

The average estimated car insurance premium for a 2014 Lincoln MKZ is $1,536 per year, or about $128 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

$1,536

Cost Per Month

$128

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 2014 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.

$1,536
Average Rate
Your Rate
$1,536

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 2014 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 2014 Lincoln MKZ is $1,536.

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.

2014 Lincoln MKZ Segment Comparison

The table below compares insurance rates for the 2014 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.

2014 Lincoln MKZ Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$54
2Acura ILX$1,524-$12
3Lincoln MKZ$1,536--
4Acura TL$1,586$50
5Lexus ES 350$1,718$182
6Mercedes-Benz CLA250$1,768$232
7Audi A6$1,802$266
8Audi S5$1,810$274
9Mercedes-Benz SLK55 AMG$1,816$280
10Mercedes-Benz C350$1,888$352
11Lexus ES 300H$1,902$366
12BMW 435i$1,930$394
13Mercedes-Benz E250$1,934$398
14BMW 428xi$1,936$400
15Mercedes-Benz E350$1,946$410
16Infiniti Q50$1,952$416
17Mercedes-Benz E400$1,956$420
18Lexus GS 350$1,958$422
19BMW 528xi$1,962$426
20BMW 535i$1,972$436
21Audi RS 5$1,978$442
22BMW 428i$1,982$446
23Mercedes-Benz CLA45 AMG$1,986$450
24Hyundai Genesis$1,988$452
25Volvo S80$1,994$458
26BMW 435xi$2,000$464
27BMW 535xi$2,008$472
28BMW Activehybrid 5$2,036$500
29Mercedes-Benz E550$2,042$506
30Jaguar XF$2,050$514
31Audi S6$2,064$528
32Audi S4$2,066$530
33Cadillac ELR$2,078$542
34Jaguar XK$2,080$544
35BMW 528i$2,084$548
2014 Midsize Luxury Car Average$2,089$553
36BMW 535d$2,094$558
37BMW 550i$2,096$560
38BMW 550xi$2,134$598
39Audi A7$2,194$658
40BMW 640i$2,196$660
41BMW 640xi$2,224$688
42Mercedes-Benz SL550$2,258$722
43Audi S7$2,310$774
44BMW 650xi$2,390$854
45BMW M5$2,394$858
46Jaguar XKR$2,470$934
47BMW M6$2,498$962
48Tesla Model S$2,512$976
49Mercedes-Benz SL63 AMG$2,596$1,060
50Mercedes-Benz CL63 AMG$2,858$1,322
51Mercedes-Benz SL65 AMG$3,212$1,676
52Mercedes-Benz SLS AMG$3,390$1,854

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.

2014 MKZ Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 Lincoln MKZ Insurance Rates by Trim Level
2014 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Sedan$1,452$121
AWD Sedan$1,494$125
Hybrid Sedan$1,660$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 2014 Lincoln MKZ for different driver ages.

2014 Lincoln MKZ Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,425$452
17$5,227$436
18$4,638$387
19$4,251$354
20$3,256$271
21$3,106$259
22$2,780$232
23$2,316$193
24$2,180$182
25$1,772$148
30$1,632$136
35$1,580$132
40$1,536$128
45$1,442$120
50$1,370$114
55$1,278$107
60$1,282$107
65$1,358$113
70$1,468$122
75$1,730$144
80$2,122$177

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.