Compare Lincoln MKZ Car Insurance: Definitive Guide for 2025

How much does Lincoln MKZ car insurance cost? We compared average rates from the Standard AWD model up to the Hybrid Reserve to find out how MKZ insurance cost compares to other luxury sedans.

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How much is Lincoln MKZ car insurance?

Lincoln MKZ insurance costs on average $2,248 annually, or about $187 a month. With the average midsize luxury car costing $2,704 a year to insure, the Lincoln MKZ would save around $456 or more every 12 months.

The chart below details average car insurance cost for a 2020 Lincoln MKZ using some common driver age and risk scenarios.

Average 2020 Lincoln MKZ insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Lincoln MKZ insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Lincoln MKZ with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lincoln MKZ trim levels.

2020 Lincoln MKZ Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,168$431
Safe Driver Age 20$4,524$377
At-fault Accidents Age 40$3,194$266
Low Deductibles Age 40$2,904$242
Safe Driver Age 30$2,392$199
Safe Driver Age 40$2,248$187
Safe Driver Age 50$1,996$166
High Deductibles Age 40$1,910$159
Safe Driver Age 60$1,866$156
Discount Rate Age 40$1,864$155

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Lincoln MKZ trim levels. Updated June 27, 2025

As with all auto insurance policies, the higher you set the physical damage coverage deductibles, the lower the policy will cost. In the chart above, Prius insurance rates range from an average rate for a 60-year-old driver of $1,866 up to the average rate for a 20-year-old driver of $4,524 per year, a range of $2,658 per year.

Teenage drivers have the highest car insurance rates, which are not included in the chart above. For example, on a 2020 Lincoln MKZ, a 16-year-old male driver with a clean driving record would pay around $8,085 while a 16-year-old female would pay about $7,548.

How do Lincoln MKZ car insurance prices compare?

When compared directly to the top-selling vehicles in the midsize luxury car segment, car insurance for the MKZ costs $10 more per year than the Lexus ES 350, $310 less than the BMW 530i, $678 less than the Infiniti Q50, and $350 less than the Mercedes-Benz CLA250.

The Lincoln MKZ ranks fifth out of 41 total vehicles in the midsize luxury car segment. The MKZ costs an average of $2,248 per year for insurance, while the category median average cost is $2,704 annually, a difference of $456 per year.

The chart below shows how well average MKZ car insurance rates compare to the most popular luxury midsize sedans for the 2020 model year. We also include a more complete table that ranks insurance affordability for the entire midsize luxury car class.

Average 2020 Lincoln MKZ car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2020 Lincoln MKZ car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Lincoln MKZ. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lincoln MKZ trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Lincoln MKZ Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$362
2Lexus RC 300$2,168-$80
3Mercedes-Benz SLC300$2,230-$18
4Lexus ES 350$2,238-$10
5Lincoln MKZ$2,248--
6Mercedes-Benz AMG CLA45$2,268$20
7Jaguar XE$2,272$24
8Lexus IS 300$2,276$28
9Audi A3$2,316$68
10Cadillac CT5$2,354$106
11Audi S5$2,414$166
12Lexus GS 350$2,478$230
13Mercedes-Benz E350$2,488$240
14Lexus ES 300H$2,526$278
15Audi S4$2,550$302
16BMW 530i$2,558$310
17BMW 540i$2,582$334
18Mercedes-Benz CLA250$2,598$350
19Genesis G80$2,604$356
20Audi A6$2,614$366
21Mercedes-Benz E450$2,644$396
22BMW 430i$2,666$418
23Mercedes-Benz CLS450$2,700$452
24Jaguar XF$2,702$454
25BMW 440i$2,796$548
26Mercedes-Benz AMG C43$2,804$556
27Mercedes-Benz SL450$2,822$574
28Audi RS 5$2,838$590
29Audi S6$2,898$650
30Infiniti Q50$2,926$678
31BMW 530e$2,942$694
32Lexus GS F$3,016$768
33Mercedes-Benz AMG C63$3,056$808
34BMW M550i$3,110$862
35Mercedes-Benz SL550$3,136$888
36Tesla Model S$3,192$944
37Audi A7$3,236$988
38Lexus LC 500H$3,320$1,072
39Audi S7$3,444$1,196
40BMW M8$3,448$1,200
41BMW M5$3,494$1,246

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 vehicle from the 2020 model year. Updated June 26, 2025

Which Lincoln MKZ is cheapest to insure?

The cheapest trim level of Lincoln MKZ to insure is the Standard AWD at an estimated $2,106 per year, or about $176 per month. The next cheapest model is the Standard Sedan, also at $2,106 per year, and the third cheapest trim to insure is the Reserve Sedan at $2,168 per year.

At the high end, the three MKZ models that cost the most to insure are the Lincoln MKZ Reserve AWD, the Hybrid Standard Sedan, and the Hybrid Reserve Sedan trim levels at around $2,212,  $2,372, and $2,526 per year, respectively.

The table below details the average car insurance cost, including a monthly amount for budgeting, for each trim level available for the 2020 MKZ.

2020 Lincoln MKZ Insurance Rates by Trim Level
2020 Lincoln MKZ Trim Level Annual Premium Cost Per Month
Standard AWD$2,106$176
Standard Sedan$2,106$176
Reserve Sedan$2,168$181
Reserve AWD$2,212$184
Hybrid Standard Sedan$2,372$198
Hybrid Reserve Sedan$2,526$211

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. Updated June 26, 2025

Insurance cost by trim level for a 2020 Lincoln MKZ ranging from the Standard AWD model at $2,106 per year to the Hybrid Reserve Sedan model at $2,526
Insurance cost by trim level for a 2020 Lincoln MKZ ranging from the Standard AWD model at $2,106 per year to the Hybrid Reserve Sedan model at $2,526

How much will a used MKZ save on insurance?

Insuring a 2013 MKZ instead of a 2020 model will save an average of $670 per year. Even a 2016 model may save the average driver $334 per year, depending on the driver age.

The data table below details average estimated full coverage auto insurance rates for a Lincoln MKZ for different Lincoln MKZ model years and rated drivers. Annual policy costs range from the cheapest cost of $1,320 for a 60-year-old driver rated on a 2013 Lincoln MKZ to a high of $4,524 for a 20-year-old driver rated on a 2020 MKZ.

Lincoln MKZ Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2020 Lincoln MKZ$4,524$2,248$1,866
2019 Lincoln MKZ$4,366$2,166$1,798
2018 Lincoln MKZ$4,348$2,158$1,796
2017 Lincoln MKZ$4,168$2,070$1,724
2016 Lincoln MKZ$3,828$1,914$1,592
2015 Lincoln MKZ$3,444$1,726$1,438
2014 Lincoln MKZ$3,042$1,536$1,282
2013 Lincoln MKZ$3,148$1,578$1,320

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 Lincoln MKZ trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2020 Lincoln MKZ models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2020 Lincoln MKZ models for drivers age 20, 40 and 60