2019 Lincoln MKZ Car Insurance Calculator

Explore and learn how different driver, vehicle, and coverage options impact the cost of car insurance for a 2019 Lincoln MKZ. Update factors like policy coverages, liability limits, and deductibles to see how each affects your premiums. Instantly discover if the change you make has positive or negative consequenses.

The average estimated car insurance premium for a 2019 Lincoln MKZ is $2,166 per year, or about $181 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

$2,166

Cost Per Month

$181

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 2019 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.

$2,166
Average Rate
Your Rate
$2,166

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 2019 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 2019 Lincoln MKZ is $2,166.

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.

2019 Lincoln MKZ Segment Comparison

The table below compares insurance rates for the 2019 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.

2019 Lincoln MKZ Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$316
2Lexus IS 300$2,006-$160
3Lexus RC 300$2,094-$72
4Lexus ES 350$2,140-$26
5Lincoln MKZ$2,166--
6Mercedes-Benz SLC300$2,188$22
7Mercedes-Benz AMG CLA45$2,198$32
8Audi A3$2,236$70
9Mercedes-Benz CLA250$2,260$94
10Audi S5$2,264$98
11Mercedes-Benz E300$2,274$108
12Genesis G80$2,290$124
13Lexus ES 300H$2,312$146
14BMW 430i$2,328$162
15Lexus GS 300$2,368$202
16Audi A6$2,378$212
17Audi S4$2,390$224
18Lexus GS 350$2,396$230
19Mercedes-Benz CLS450$2,410$244
20BMW 540i$2,442$276
21BMW 530i$2,444$278
22Mercedes-Benz E450$2,474$308
23Jaguar XF$2,484$318
2019 Midsize Luxury Car Average$2,497$331
24BMW 440i$2,498$332
25Mercedes-Benz AMG C43$2,552$386
26Mercedes-Benz SL450$2,560$394
27BMW 530e$2,598$432
28Infiniti Q50$2,614$448
29BMW M550i$2,726$560
30Audi RS 5$2,738$572
31BMW 640i$2,772$606
32Mercedes-Benz AMG C63$2,782$616
33Tesla Model S$2,788$622
34Lexus GS F$2,914$748
35Mercedes-Benz SL550$2,922$756
36Audi A7$2,946$780
37Lexus LC 500H$2,974$808
38BMW M5$3,134$968
39BMW M6$3,472$1,306

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.

2019 MKZ Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Lincoln MKZ Insurance Rates by Trim Level
2019 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Sedan$2,022$169
Hybrid Sedan$2,076$173
AWD$2,082$174
Reserve II Sedan$2,142$179
Reserve Sedan$2,142$179
Reserve AWD$2,202$184
Hybrid Reserve II Sedan$2,212$184
Reserve II AWD$2,260$188
Hybrid Reserve Sedan$2,336$195

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 2019 Lincoln MKZ for different driver ages.

2019 Lincoln MKZ Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,803$650
17$7,537$628
18$6,710$559
19$6,121$510
20$4,677$390
21$4,459$372
22$3,987$332
23$3,286$274
24$3,099$258
25$2,512$209
30$2,306$192
35$2,226$186
40$2,166$181
45$2,026$169
50$1,924$160
55$1,792$149
60$1,798$150
65$1,918$160
70$2,082$174
75$2,460$205
80$3,038$253

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.