Compare Lincoln MKZ Car Insurance: Definitive Guide for 2025

• Lincoln MKZ car insurance costs $2,302 per year ($192 per month) on average for a full coverage policy.
• The 2020 Lincoln MKZ is one of the cheaper midsize luxury cars to insure, costing $468 less per year on average as compared to the rest of the vehicles in the segment.
• The cheapest trim level of Lincoln MKZ to insure is the Standard AWD at an estimated $2,156 per year, or about $180 per month.
• Model year rates range from the cheapest cost of $1,352 for a 60-year-old driver rated on a 2013 Lincoln MKZ to a high of $4,634 for a 20-year-old driver rated on a 2020 MKZ.

How much is Lincoln MKZ car insurance?

Lincoln MKZ insurance costs on average $2,302 annually, or about $192 a month. With the average midsize luxury car costing $2,770 a year to insure, the Lincoln MKZ would save around $468 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.

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 $1,914 up to the average rate for a 20-year-old driver of $4,634 per year, a range of $2,720 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 $8,284 while a 16-year-old female would pay about $7,735.

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 $8 more per year than the Lexus ES 350, $316 less than the BMW 530i, $694 less than the Infiniti Q50, and $362 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 $2,302 per year for insurance, while the category median average cost is $2,770 annually, a difference of $468 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.

Which Lincoln MKZ is cheapest to insure?

The cheapest trim level of Lincoln MKZ to insure is the Standard AWD at an estimated $2,156 per year, or about $180 per month. The next cheapest model is the Standard Sedan, also at $2,156 per year, and the third cheapest trim to insure is the Reserve Sedan at $2,218 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 $2,264,  $2,430, and $2,588 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.

How much will a used MKZ save on insurance?

Insuring a 2013 MKZ instead of a 2020 model will save an average of $686 per year. Even a 2016 model may save the average driver $344 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 $1,352 for a 60-year-old driver rated on a 2013 Lincoln MKZ to a high of $4,634 for a 20-year-old driver rated on a 2020 MKZ.