2015 Lincoln MKZ Car Insurance Calculator

Watch in real-time how changes to driver risk factors and vehicle options impact car insurance rates for a 2015 Lincoln MKZ. Experiment with factors like your marital status, location, homeowner status, and credit rating. Instantly know if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2015 Lincoln MKZ is $1,726 per year, or about $144 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

$1,726

Cost Per Month

$144

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 2015 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.

$1,726
Average Rate
Your Rate
$1,726

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 2015 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 2015 Lincoln MKZ is $1,726.

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.

2015 Lincoln MKZ Segment Comparison

The table below compares insurance rates for the 2015 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.

2015 Lincoln MKZ Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,652-$74
2Acura ILX$1,662-$64
3Audi A3$1,702-$24
4Infiniti Q40$1,706-$20
5Volvo S80$1,712-$14
6Lincoln MKZ$1,726--
7Mercedes-Benz SLK55 AMG$1,744$18
8Mercedes-Benz CLA250$1,808$82
9Mercedes-Benz CLA45 AMG$1,838$112
10BMW 528xi$1,848$122
11BMW 428xi$1,886$160
12Audi A6$1,926$200
13Audi S4$1,928$202
14Mercedes-Benz C400$1,930$204
15Mercedes-Benz E350$1,946$220
16Lexus ES 300H$1,948$222
17BMW 528i$1,956$230
18Mercedes-Benz C350$1,966$240
19Audi S5$1,978$252
20BMW 428i$1,994$268
21BMW 435xi$1,998$272
22Mercedes-Benz SL400$2,016$290
23Hyundai Genesis$2,030$304
24Infiniti Q50$2,064$338
25BMW Activehybrid 5$2,088$362
26BMW 550i$2,094$368
27Mercedes-Benz E550$2,098$372
28Mercedes-Benz E400$2,110$384
29BMW 435i$2,116$390
30Audi RS 5$2,134$408
31BMW 550xi$2,138$412
2015 Midsize Luxury Car Average$2,143$417
32Jaguar XF$2,162$436
33Mercedes-Benz E250$2,166$440
34BMW 535d$2,178$452
35Lexus GS 350$2,180$454
36BMW 535xi$2,196$470
37BMW 535i$2,200$474
38Mercedes-Benz CLS400$2,204$478
39Mercedes-Benz SL550$2,238$512
40Jaguar XK$2,274$548
41BMW 640xi$2,286$560
42Audi A7$2,294$568
43Audi S6$2,318$592
44BMW 640i$2,350$624
45BMW 650xi$2,392$666
46Jaguar XKR$2,478$752
47Mercedes-Benz S550E$2,498$772
48BMW M5$2,512$786
49Mercedes-Benz SL63 AMG$2,580$854
50Tesla Model S$2,590$864
51BMW M6$2,594$868
52Audi S7$2,612$886
53Mercedes-Benz SLS AMG$3,310$1,584
54Mercedes-Benz SL65 AMG$3,360$1,634

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.

2015 MKZ Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 Lincoln MKZ Insurance Rates by Trim Level
2015 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Sedan$1,592$133
AWD Sedan$1,636$136
Hybrid Sedan$1,722$144
AWD Black Label Sedan$1,770$148
Black Label Sedan$1,770$148
Hybrid Black Label Sedan$1,870$156

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 2015 Lincoln MKZ for different driver ages.

2015 Lincoln MKZ Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,163$514
17$5,940$495
18$5,266$439
19$4,823$402
20$3,687$307
21$3,520$293
22$3,146$262
23$2,610$218
24$2,463$205
25$2,000$167
30$1,834$153
35$1,776$148
40$1,726$144
45$1,622$135
50$1,538$128
55$1,436$120
60$1,438$120
65$1,526$127
70$1,658$138
75$1,962$164
80$2,410$201

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.