LINCOLN MKZ 2013
Enzo from Laval
$1428 /year
Premium computed in August 2026
The Lincoln MKZ is a mid-size luxury sedan combining hushed comfort, advanced technology, and elegant styling. Positioned against premium German and Japanese sedans, it appeals to drivers seeking refinement and a smooth ride for daily use.
LINCOLN MKZ CAR INSURANCE RATES OVER THE LAST 5 YEARS.
Between 2021 and 2026, premiums for the Lincoln MKZ fluctuate noticeably, dropping from $1411 to $774 in 2022 before gradually climbing back up to $1620 by 2026. This pattern suggests volatility rather than a clear linear trend.
To find the best insurance for your LINCOLN MKZ vehicle, it is more important than ever to compare the available options.
How much does insurance for your LINCOLN MKZ cost in Quebec?
Premiums are highest for the Lincoln MKZ in Gatineau ($2065) and Saint-Jérôme ($1922), while Lévis ($544) is markedly lower than the other cities. Montreal ($1466) and Trois-Rivières ($1618) fall in the upper-middle range.
To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.
| City | Average price over the last 12 months |
|---|---|
| GATINEAU | $2065.00 |
| LAVAL | $1218.62 |
| LÉVIS | $528.85 |
| MONTRÉAL | $1465.96 |
| QUÉBEC | $1091.86 |
| SAINT-JEAN-SUR-RICHELIEU | $1333.92 |
| SAINT-JÉRÔME | $1922.25 |
| TROIS-RIVIÈRES | $1618.16 |
LINCOLN MKZ average premium by model year
Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.
| Model year | Average premium |
|---|---|
| LINCOLN MKZ 2019 | $799.76 |
| LINCOLN MKZ 2018 | $1424.54 |
| LINCOLN MKZ 2017 | $1466.62 |
| LINCOLN MKZ 2016 | $1721.90 |
| LINCOLN MKZ 2015 | $1238.14 |
| LINCOLN MKZ 2014 | $1519.57 |
| LINCOLN MKZ 2013 | $1231.10 |
| LINCOLN MKZ 2012 | $680.21 |
| LINCOLN MKZ 2011 | $589.41 |
| LINCOLN MKZ 2010 | $738.43 |
| LINCOLN MKZ 2009 | $935.14 |
| LINCOLN MKZ 2008 | $495.90 |
| LINCOLN MKZ 2007 | $643.88 |
Frequently asked questions (FAQ)
How much does insurance cost for a Lincoln MKZ?
The average premium for a Lincoln MKZ varies by year, ranging from $774 in 2022 to $1620 in 2026, with recent averages falling between $1120 and $1620 depending on the period observed.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why did the MKZ's premium fluctuate so much between 2021 and 2026?
The premium dropped from $1411 in 2021 to $774 in 2022, then climbed back to $1620 by 2026. These swings may reflect changes in driver profiles or repair costs over time.
Which city offers the cheapest insurance for a Lincoln MKZ?
Based on the data provided, Lévis has the lowest average premium at $544, well below other cities like Gatineau ($2065) or Saint-Jérôme ($1922).
What factors influence the premium for a Lincoln MKZ?
Its luxury classification, parts replacement value, city of residence, and model year are key factors in determining the premium.
How can I lower my premium for a Lincoln MKZ?
Comparing quotes from multiple insurers, especially given large gaps between cities like Lévis and Gatineau, can often reveal a more favorable premium.
Offers received by our customers on LINCOLN MKZ cars
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Methodology
To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :
- Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
- Real-world comparisons: We only use premiums actually offered by our partner insurers in response to quote requests, keeping the lowest one obtained for each vehicle. This data is not limited to policies that were sold.
- Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
- Last updated: 08/14/2026
Versions covered by this LINCOLN MKZ page
The premiums above cover every version of the LINCOLN MKZ, so that each average rests on enough quotes. Here are the versions this page includes.
| Version | Model years |
|---|---|
| MKZ 4DR | 2007 - 2020 |
| MKZ 4DR AWD | 2007 - 2016 |
| MKZ BLACK LABEL HEV 4DR | 2017 |
| MKZ BLACK LABEL V6 4DR AWD | 2017 |
| MKZ HEV 4DR | 2011 - 2016 |
| MKZ RESERVE 4DR | 2017 - 2019 |
| MKZ RESERVE 4DR AWD | 2017 - 2020 |
| MKZ RESERVE HEV 4DR | 2017 - 2020 |
| MKZ RESERVE V6 4DR AWD | 2017 - 2019 |
| MKZ SELECT 4DR | 2017 |
| MKZ SELECT 4DR AWD | 2017 - 2019 |
| MKZ SELECT HEV 4DR | 2017 - 2019 |
Show the 1 other versions
MKZ SELECT V6 4DR (2017)
Model version by year
Explore other car insurance premiums
Other Lincoln models
Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.
