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Cheapest 2015 Lincoln MKZ Car Insurance (Jan 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2015 Lincoln MKZ
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R.E. Fulton
Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does car insurance cost for a 2015 Lincoln MKZ

The average cost of car insurance for a 2015 Lincoln MKZ is $828 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2015 Lincoln MKZ are 3% more
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2015 Lincoln MKZ, use
Jerry
to get a detailed
car insurance price comparison

Compare the cheapest 2015 Lincoln MKZ car insurance quotes

Thousands of smart Lincoln MKZ drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of -- per year on car insurance. Below are cheap quotes Jerry found for 2015 Lincoln MKZ drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
January 3, 2024
2015
Mercury
$259
• State Minimum Liability
• Comp / Collision
December 31, 2023
2015
AAA
$200
• 30,000/60,000 Liability
• Comp / Collision
December 21, 2023
2015
Progressive
$112
• 100,000/300,000 Liability
• Comp / Collision
December 19, 2023
2015
Bristol West
$215
• 50,000/100,000 Liability
• Comp / Collision
December 18, 2023
2015
National General
$140
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jan 3, 2024
However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates.

The best car insurance companies for 2015 Lincoln MKZ owners

There’s no best company for all 2015 Lincoln MKZ drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. 
Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well. 
The table below shows how 2015 Lincoln MKZ drivers rated different insurance companies in these three categories, as well as overall.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Average 2015 Lincoln MKZ insurance costs

From working with lots of 2015 Lincoln MKZ drivers, we found that the average cost of minimum liability coverage is $69 per month, or $828 per year. The average cost for full coverage insurance for 2015 Lincoln MKZ drivers is $221 per month or $2,652 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$69
$828
Full coverage
$221
$2,652
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of
liability insurance
. In some states,
uninsured/underinsured motorist coverage
and/or
personal injury protection
are also required by law. 
Full coverage car insurance
, on the other hand, includes
collision
and
comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more.

2015 Lincoln MKZ insurance costs by trim level

The cost of car insurance for a 2015 Lincoln MKZ is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
Car Model & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
2015
$239
$57

How expensive is 2015 Lincoln MKZ insurance compared to other years?

Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage. 
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old. 
The table below compares the average insurance cost of a Lincoln MKZ manufactured in 2015 with that of the four closest model years.
CarMinimum CoverageFull Coverage
2007 Lincoln MKZ
$116
$197
2008 Lincoln MKZ
$90
$220
2009 Lincoln MKZ
$89
$184
2010 Lincoln MKZ
$92
$198
2011 Lincoln MKZ
$79
$211
2012 Lincoln MKZ
$97
$187
2013 Lincoln MKZ
$103
$220
2014 Lincoln MKZ
$106
$214
2015 Lincoln MKZ
$69
$221
2016 Lincoln MKZ
$111
$199
2017 Lincoln MKZ
$113
$202
2019 Lincoln MKZ
$58
$218

Are 2015 Lincoln MKZs expensive to insure? 

On average, car insurance for a 2015 Lincoln MKZ costs $69. Compared with other models in a similar price range, it costs 3% more to insure a 2015 Lincoln MKZ.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2015 Audi A7
$61
$270
2015 Lincoln MKZ
$69
$221
2015 BMW 435
$113
$263
2015 Tesla Model S
$125
$247
2015 Jaguar XF
$130
$244
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.

2015 Lincoln MKZ
NHTSA safety ratings

Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)
Side - Pole Barrier combined (REAR)
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)