Lincoln MKZ Insurance: by Model Year & Company
Lincoln MKZ insurance costs an average of $1,014 for a 6-month full coverage policy. American Family offers the cheapest rate for the latest Lincoln MKZ at $145/mo or $872 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Lincoln MKZ:
- The MKZ costs less to insure than most sedans. Averaging $169/mo for the MKZ versus $203/mo for typical sedans.
- If you're considering a vehicle similar to the MKZ, like the Lincoln MKZ Hybrid ($175/mo), Lincoln Aviator ($225/mo), or Lincoln Continental ($206/mo), your insurance costs will be cheaper.
- USAA ($131/mo), American Family ($138/mo), Progressive ($147/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2020 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,744 |
| USAA |
$1,934 |
| Erie |
$1,966 |
| State Farm |
$2,064 |
| Progressive |
$2,078 |
| Nationwide |
$2,163 |
| GEICO |
$2,555 |
| Farmers |
$3,086 |
| Allstate |
$3,126 |
Compare all 2020 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$2,3762019 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,692 |
| USAA |
$1,823 |
| Erie |
$1,860 |
| Progressive |
$2,005 |
| State Farm |
$2,039 |
| Nationwide |
$2,220 |
| GEICO |
$2,426 |
| Farmers |
$2,943 |
| Allstate |
$3,008 |
Compare all 2019 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$2,2962018 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,760 |
| Progressive |
$1,838 |
| Erie |
$2,046 |
| State Farm |
$2,083 |
| Nationwide |
$2,084 |
| American Family |
$2,151 |
| GEICO |
$2,433 |
| Farmers |
$2,796 |
| Allstate |
$3,256 |
Compare all 2018 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$2,2972017 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,694 |
| Progressive |
$1,856 |
| Nationwide |
$1,923 |
| Erie |
$1,959 |
| State Farm |
$1,993 |
| American Family |
$2,187 |
| GEICO |
$2,324 |
| Farmers |
$2,741 |
| Allstate |
$3,249 |
Compare all 2017 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$2,2292016 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,581 |
| American Family |
$1,660 |
| Progressive |
$1,740 |
| State Farm |
$1,818 |
| Erie |
$1,868 |
| Nationwide |
$2,102 |
| GEICO |
$2,233 |
| Farmers |
$2,635 |
| Allstate |
$2,765 |
Compare all 2016 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$2,0892015 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,500 |
| American Family |
$1,582 |
| Progressive |
$1,692 |
| Erie |
$1,777 |
| State Farm |
$1,886 |
| Nationwide |
$2,001 |
| GEICO |
$2,145 |
| Farmers |
$2,562 |
| Allstate |
$2,628 |
Compare all 2015 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$2,0172014 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,468 |
| American Family |
$1,523 |
| Progressive |
$1,674 |
| Erie |
$1,716 |
| State Farm |
$1,724 |
| Nationwide |
$2,127 |
| GEICO |
$2,128 |
| Farmers |
$2,456 |
| Allstate |
$2,610 |
Compare all 2014 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$1,9932013 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,397 |
| American Family |
$1,449 |
| Progressive |
$1,636 |
| Erie |
$1,649 |
| State Farm |
$1,701 |
| GEICO |
$2,029 |
| Nationwide |
$2,274 |
| Farmers |
$2,366 |
| Allstate |
$2,507 |
Compare all 2013 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$1,9472012 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,322 |
| USAA |
$1,323 |
| Erie |
$1,506 |
| Progressive |
$1,530 |
| State Farm |
$1,550 |
| GEICO |
$1,712 |
| Nationwide |
$1,909 |
| Farmers |
$2,197 |
| Allstate |
$2,471 |
Compare all 2012 Lincoln MKZ insurance rates.
Average Cost to Insure Per Year
$1,7632011 Lincoln MKZ
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,267 |
| USAA |
$1,286 |
| Erie |
$1,455 |
| Progressive |
$1,539 |
| State Farm |
$1,552 |
| GEICO |
$1,657 |
| Nationwide |
$1,856 |
| Farmers |
$2,133 |
| Allstate |
$2,458 |