2018 Lincoln MKZ Car Insurance Calculator
Watch in real-time how choices you make affect the cost of insurance for a 2018 Lincoln MKZ. Set options like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see why rates change and by how much.
The average estimated car insurance premium for a 2018 Lincoln MKZ is $2,158 per year, or about $180 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
Cost Per Month
$180
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
- Update Options: Adjust any settings in the form below.
- Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
- Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.
Key Features:
- Instant Rate Comparison: Learn how your personalized rate compares to the average driver.
To view the comparison as you customize the calculator settings, pin it to the bottom of your screen. - Personalized Analysis: Each update to the calculator refines your insurance analysis, helping you understand factors that are positively or negatively influencing your rates or protection level.
- 2018 Midsize Luxury Car Segment Competitive Analysis: A comparative overview of all midsize luxury car models for your model year. Rates update with every change made to the calculator settings.
- 2018 Lincoln MKZ Trim Level Rates: Insurance rates for all trims available for your model year MKZ. This data is also dynamic based on calculator settings.
Calculated vs. Average Rate
Discover how your personalized car insurance rate compares to the average annual premium for a 2018 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.
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 2018 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 2018 Lincoln MKZ is $2,158.
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.
2018 Lincoln MKZ Segment Comparison
The table below compares insurance rates for the 2018 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura ILX | $1,756 | -$402 |
| 2 | Lexus IS 300 | $1,908 | -$250 |
| 3 | Lexus RC 300 | $1,992 | -$166 |
| 4 | Mercedes-Benz SLC300 | $2,058 | -$100 |
| 5 | Lexus ES 350 | $2,062 | -$96 |
| 6 | Mercedes-Benz AMG CLA45 | $2,076 | -$82 |
| 7 | Audi S5 | $2,114 | -$44 |
| 8 | Audi A3 | $2,126 | -$32 |
| 9 | Mercedes-Benz CLA250 | $2,136 | -$22 |
| 10 | Mercedes-Benz C350E | $2,146 | -$12 |
| 11 | Lincoln MKZ | $2,158 | -- |
| 12 | Mercedes-Benz E300 | $2,162 | $4 |
| 13 | Lexus ES 300H | $2,170 | $12 |
| 14 | Genesis G80 | $2,174 | $16 |
| 15 | BMW 430i | $2,190 | $32 |
| 16 | Audi A6 | $2,212 | $54 |
| 17 | Audi S4 | $2,224 | $66 |
| 18 | Lexus GS 300 | $2,260 | $102 |
| 19 | Jaguar XE | $2,262 | $104 |
| 20 | Lexus GS 350 | $2,282 | $124 |
| 21 | BMW 530i | $2,288 | $130 |
| 22 | BMW 540xi | $2,298 | $140 |
| 23 | BMW 540i | $2,304 | $146 |
| 24 | BMW 440i | $2,334 | $176 |
| 25 | Jaguar XF | $2,354 | $196 |
| 26 | Mercedes-Benz AMG C43 | $2,410 | $252 |
| 27 | Mercedes-Benz SL450 | $2,430 | $272 |
| 28 | Mercedes-Benz E400 | $2,442 | $284 |
| 29 | Infiniti Q50 | $2,450 | $292 |
| 2018 Midsize Luxury Car Average | $2,459 | $301 | |
| 30 | BMW 530e | $2,460 | $302 |
| 31 | Audi RS 5 | $2,490 | $332 |
| 32 | Mercedes-Benz AMG E43 | $2,500 | $342 |
| 33 | BMW 530xi | $2,504 | $346 |
| 34 | BMW M550i | $2,582 | $424 |
| 35 | Mercedes-Benz AMG C63 | $2,634 | $476 |
| 36 | BMW 640xi | $2,642 | $484 |
| 37 | Audi S6 | $2,662 | $504 |
| 38 | BMW 640i | $2,712 | $554 |
| 39 | Mercedes-Benz SL550 | $2,762 | $604 |
| 40 | Lexus GS F | $2,772 | $614 |
| 41 | Tesla Model S | $2,810 | $652 |
| 42 | Lexus LC 500H | $2,834 | $676 |
| 43 | Audi A7 | $2,844 | $686 |
| 44 | BMW 650xi | $2,848 | $690 |
| 45 | Audi S7 | $3,022 | $864 |
| 46 | BMW M5 | $3,034 | $876 |
| 47 | BMW M6 | $3,228 | $1,070 |
| 48 | Mercedes-Benz SL63 AMG | $3,280 | $1,122 |
| 49 | Mercedes-Benz SL65 AMG | $4,084 | $1,926 |
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.
2018 MKZ Insurance Rates by Trim Level
The table below shows insurance rates for all trim levels available for the 2018 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.
| 2018 Lincoln MKZ Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premiere Sedan | $1,994 | $166 |
| Premiere AWD Sedan | $2,048 | $171 |
| Select AWD Sedan | $2,048 | $171 |
| Select Sedan | $2,048 | $171 |
| Reserve AWD Sedan | $2,104 | $175 |
| Reserve Sedan | $2,104 | $175 |
| Hybrid Premiere Sedan | $2,172 | $181 |
| Black Label AWD Sedan | $2,216 | $185 |
| Black Label Sedan | $2,216 | $185 |
| Hybrid Select Sedan | $2,244 | $187 |
| Hybrid Reserve Sedan | $2,300 | $192 |
| Hybrid Black Label Sedan | $2,410 | $201 |
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 2018 Lincoln MKZ for different driver ages.
| Driver Age | Annual Premium | Cost Per Month |
|---|---|---|
| 16 | $7,801 | $650 |
| 17 | $7,520 | $627 |
| 18 | $6,670 | $556 |
| 19 | $6,098 | $508 |
| 20 | $4,655 | $388 |
| 21 | $4,435 | $370 |
| 22 | $3,963 | $330 |
| 23 | $3,276 | $273 |
| 24 | $3,091 | $258 |
| 25 | $2,504 | $209 |
| 30 | $2,296 | $191 |
| 35 | $2,220 | $185 |
| 40 | $2,158 | $180 |
| 45 | $2,022 | $169 |
| 50 | $1,922 | $160 |
| 55 | $1,790 | $149 |
| 60 | $1,796 | $150 |
| 65 | $1,914 | $160 |
| 70 | $2,084 | $174 |
| 75 | $2,470 | $206 |
| 80 | $3,044 | $254 |
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.