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2009 Lincoln MKZ - car insurance quotes

How much does it cost to insure a  Lincoln MKZ 3.495 cc?


Lowest MKZ Rates $1118.4
Average MKZ Rates $1817.4
Highest MKZ Rates $2516.4
Please note that these 2009 Lincoln quotations are based on current studies and are indicative only!
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How much does 2009 Lincoln MKZ car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2021? Though Lincoln MKZ, this trim level of the 2009 MKZ car insurance rates may vary for the same coverage depending on your location, driving history or by your age, the types of coverage are basically the same and differs only in details. The average insurance price of a used Lincoln MKZ is above $131 a month ($1.573 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Lincoln you drive (https://www.lincoln.com/)! Your actual auto insurance costs could be higher or lower, if you vehicle is equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Lincoln model with 265 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Lincoln MKZ if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.
On average, car insurance cost for a 2009 Lincoln MKZ is $131 a month, which is around $1.573 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2009 Lincoln MKZ is a 12 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of MKZ (2009) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern MKZ cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.
Lincoln MKZ, has engine power of 3495 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.
Insurance Company New Vehicles * Used Vehicles *
Allied $1,160 $1,118
GEICO $853 $783
Nationwide $1,244 $979
Progressive $517 $419
State Farm $699 $517
Texas Farm Bureau $1,160 $937
USAA $923 $783
* Rough estimate for a new vs 12 years old used Lincoln MKZ, this trim level of the 2009 MKZ. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2009 Lincoln MKZ car insurance quotes and find out who has the cheapest rates in 2021!

Finding the most affordable car insurance for your Lincoln, MKZ is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Lincoln (made in 2009) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Lincoln MKZ auto insurance quotes in 2021 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!
How much is car insurance for a 2009 Lincoln MKZ in 2021? As you can see below, the lowest rates are around $1398, while the highest ones fluctuate around $2935.8 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.
Insurance Company Annual Rates (Estimate*)
GEICO $1,489
American Family  $1,468
Erie $1,461
Progressive $1,734
State Farm $1,901
Auto Owners  $1,678
State Auto  $1,943
Nationwide $1,922
Farmers $1,734
Allstate $2,377
Safe Auto  $2,586
MetLife $2,726
Victoria $2,866
Allied $2,034
Liberty Mutual $2,447
Encompass $2,971
* Just a rough estimate for 2009 Lincoln MKZ, this trim level of the 2009 MKZ

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model MKZ, make Lincoln) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2019, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2018, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Lincoln, MKZ will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?
  • Don't ignore small regional insurers.
  • Review your existing coverage and choose a higher deductible.
  • Shopping around is the key to saving money on car insurance.
  • Negotiate with an agent or directly with auto insurance company.
  • Check for 2009 MKZ car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
  • If you don't qualify for these discounts, explore other options available or switch the insurance company.
  • Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2009 Lincoln MKZ auto insurance rates by state!

How much is 2009 Lincoln MKZ car insurance by location - rough estimate for model:  , 3495 cc, Sedan
How to calculate premium for Lincoln MKZ (2009) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2009 MKZ () car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).
Rank State Lowest Rates Highest Rates
1 Vermont $1,049 $1,468
2 Ohio $1,062 $1,496
3 Idaho $1,090 $1,538
4 Virginia $1,132 $1,608
5 Iowa $1,174 $1,664
6 New Hampshire $1,230 $1,692
7 Wisconsin $1,244 $1,734
8 North Dakota $1,272 $1,831
9 Indiana $1,300 $1,929
10 North Carolina $1,328 $1,999
11 Pennsylvania $1,342 $2,111
12 Utah $1,370 $2,139
13 Maine $1,384 $2,181
14 Massachusetts $1,412 $2,223
15 Alaska $1,426 $2,251
16 Tennessee $1,440 $2,307
17 South Dakota $1,454 $2,433
18 Nebraska $1,468 $2,502
19 Minnesota $1,482 $2,544
20 Illinois $1,482 $2,586
21 Hawaii $1,496 $2,642
22 Alabama $1,510 $2,684
23 Oregon $1,524 $2,726
24 Missouri $1,538 $2,824
25 Washington $1,608 $2,922
26 South Carolina $1,622 $2,992
27 Kansas $1,664 $3,048
28 New Mexico $1,692 $3,118
29 Arizona $1,734 $3,146
30 New York $1,761 $3,159
31 National average $1,817 $3,201
32 New Jersey $1,845 $3,299
33 West Virginia $1,901 $3,327
34 Mississippi $1,943 $3,369
35 Maryland $1,985 $3,411
36 Montana $2,041 $3,481
37 Nevada $2,083 $3,509
38 Arkansas $2,111 $3,565
39 Kentucky $2,125 $3,621
40 Oklahoma $2,195 $3,663
41 Wyoming $2,237 $3,691
42 Colorado $2,293 $3,761
43 Texas $2,335 $3,789
44 Delaware $2,391 $3,845
45 Georgia $2,447 $3,858
46 California $2,502 $3,900
47 DC $2,544 $3,928
48 Connecticut $2,600 $3,970
49 Rhode Island $2,628 $3,984
50 Florida $2,670 $4,068
51 Louisiana $2,726 $4,124
52 Michigan $2,782 $4,194
* Compare 2009 Lincoln MKZ car insurance rates by location and find out who has the best insurance quotes in your area in 2021 - 2022! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Teen driver - how much is car insurance for young drivers?
Is it a good idea for a young driver to drive a car like 2009 Lincoln MKZ (Automatic transmission, 4500 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Lincoln MKZ annual insurance cost for a 16 year old is approximately $3215.4, while the cost of the same coverage for seniors aged 70 - 74 is $1481.88. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Lincoln, MKZ have 3495 cc, 265 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?
Your AgeAverage Rate (Estimate*)
16 - 19 $3,495
20 - 24 $3,132
25 - 29 $2,656
30 - 34 $2,447
35 – 39 $2,167
40 – 44 $1,957
45 – 49 $1,803
50 – 54 $1,734
55 – 59 $1,678
60 – 64 $1,636
65 – 69 $1,538
70 – 74 $1,482
75 and more $1,566
* Rough estimate for teens, adults and seniors who are driving Lincoln MKZ (2009)
Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $1,188 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Lincoln, MKZ good for senior drivers? If you have questions or issues relevant to Lincoln MKZ or another vehicle, please ask in the discussion.
You know you need to insure your 2009 Front Lincoln, MKZ, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Lincoln MKZ: Exterior Specs, Features & Options

The engine of Lincoln, MKZ (6 cyl) is mated to a Automatic transmission, that in this case, sends power to the Front. MKZ Sedan, 3495 CC (liter), 265 ps (98.6% of a brake horsepower) is matched to an this trim level of the 2009 MKZ for 2009. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Lincoln, MKZ has horsepower of 265 ps & 3495 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model this trim level of the 2009 MKZ has an engine torque of 250 nm & 4500 rpm. The power and maximum speed of the Lincoln MKZ vehicle (sorry, we do not know how fast will Lincoln, MKZ accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Lincoln, MKZ Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (2355 kg is the weight of this model), its engine torque and the engine rotation speed.
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Lincoln, MKZ: specifications

Model body: Sedan
Model doors: 4
Model drive: Front
Model engine bore: The bore represents the size, in terms of diameter, of the cylinder in which a piston travels.
Model engine (cc): 3495
Model engine compression: 10.3:1
Model engine (cyl): 6
Model engine fuel: Gasoline
Model engine position: Front
Model engine power (ps/hp): 265
Model engine max power (rpm): 6250
Model engine stroke (mm): bore/stroke ratio (cylinder bore diameter, piston stroke)
Model engine torque (nm): 250
Model engine max torque (rpm): 4500
Model engine type: V
Model engine (valves per cyl): 4
Model fuel cap: 66
Model height: 1460
Model length: 4850
Model Lkm (city): 13.1
Model Lkm (hwy): 8.4
Model Lkm (mixed): 11.2
Model make: Lincoln
Model name: MKZ
Model seats: 5
Model to 100 (Kph): How fast your 2009 Lincoln MKZ accelerates to 100 km/h (0-60 mph)?
Model top speed (kph): We are not sure, what is the top speed of MKZ Lincoln 2009, but the engine power is around 3495 cc.
Model Transmission type: Automatic
Model trim: What you drive can heavily impacts what you pay for your car insurance. Different trim levels of your 2009 Lincoln MKZ with varying engine sizes can increase your insurance premiums based on engine size. Also the more powerful the engine of the vehicle is, the more the premium will be.
Model weight: 2355
Model wheelbase: 2730
Model width: 1840
Model year: 2009
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How does the interior of the new MKZ look like? Read our review of the 2009 Lincoln MKZ interior and browse photo gallery featuring the interior of this vehicle. Do not forget why you are here - finding lower insurance premiums for the new/used MKZ What you drive can heavily impacts what you pay for your car insurance. Different trim levels of your 2009 Lincoln MKZ with varying engine sizes can increase your insurance premiums based on engine size. Also the more powerful the engine of the vehicle is, the more the premium will be. .

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