2017 Lincoln MKZ Car Insurance Calculator

Discover and learn how changes to driver risk factors and vehicle options affect car insurance rates for a 2017 Lincoln MKZ. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2017 Lincoln MKZ is $2,070 per year, or about $173 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

$2,070

Cost Per Month

$173

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 2017 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.

$2,070
Average Rate
Your Rate
$2,070

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 2017 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 2017 Lincoln MKZ is $2,070.

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.

2017 Lincoln MKZ Segment Comparison

The table below compares insurance rates for the 2017 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.

2017 Lincoln MKZ Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,616-$454
2Lexus IS 300$1,856-$214
3Lexus RC 300$1,910-$160
4Mercedes-Benz AMG CLA45$1,940-$130
5Audi S5$1,968-$102
6Mercedes-Benz SLC300$1,978-$92
7Lexus ES 350$1,982-$88
8Genesis G80$1,998-$72
9Mercedes-Benz E300$2,040-$30
10Mercedes-Benz CLA250$2,052-$18
11Mercedes-Benz C350E$2,056-$14
12Audi A3$2,066-$4
13Lincoln MKZ$2,070--
14Lexus ES 300H$2,082$12
15BMW 430i$2,104$34
16Jaguar XE$2,148$78
17Audi A6$2,160$90
18Lexus GS 350$2,202$132
19BMW 540xi$2,210$140
20BMW 540i$2,216$146
21Jaguar XF$2,228$158
22BMW 440i$2,234$164
23BMW 530i$2,272$202
24Mercedes-Benz E400$2,284$214
25Mercedes-Benz AMG C43$2,310$240
26Mercedes-Benz SL450$2,312$242
2017 Midsize Luxury Car Average$2,357$287
27Mercedes-Benz E550$2,374$304
28BMW 535xi$2,382$312
29Infiniti Q50$2,384$314
30BMW 530xi$2,390$320
31Mercedes-Benz AMG E43$2,398$328
32BMW 535i$2,414$344
33Mercedes-Benz AMG C63$2,546$476
34Audi S6$2,554$484
35BMW 550xi$2,576$506
36BMW 640i$2,600$530
37Mercedes-Benz SL550$2,632$562
38BMW 640xi$2,650$580
39Lexus GS F$2,658$588
40Tesla Model S$2,710$640
41BMW 650xi$2,724$654
42Audi A7$2,752$682
43Mercedes-Benz S550E$2,842$772
44Audi S7$2,868$798
45BMW M6$3,066$996
46Mercedes-Benz SL63 AMG$3,122$1,052
47Mercedes-Benz SL65 AMG$3,838$1,768

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.

2017 MKZ Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 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.

2017 Lincoln MKZ Insurance Rates by Trim Level
2017 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Premiere Sedan$1,920$160
Premiere AWD Sedan$1,972$164
Reserve Sedan$1,972$164
Select AWD Sedan$1,972$164
Select Sedan$1,972$164
Reserve AWD Sedan$2,024$169
Hybrid Premiere Sedan$2,098$175
Black Label AWD Sedan$2,130$178
Black Label Sedan$2,130$178
Hybrid Reserve Sedan$2,168$181
Hybrid Select Sedan$2,168$181
Hybrid Black Label Sedan$2,324$194

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 2017 Lincoln MKZ for different driver ages.

2017 Lincoln MKZ Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,500$625
17$7,222$602
18$6,391$533
19$5,849$487
20$4,461$372
21$4,252$354
22$3,795$316
23$3,144$262
24$2,963$247
25$2,400$200
30$2,198$183
35$2,132$178
40$2,070$173
45$1,944$162
50$1,846$154
55$1,720$143
60$1,724$144
65$1,838$153
70$2,002$167
75$2,378$198
80$2,932$244

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.