Insurance Analysis of the 2012 Lincoln MKZ

Lincoln can thank their Super Bowl commercial for drawing our attention to the 2012 Lincoln MKZ.

The Lincoln MK

The commercial we all saw during the Super Bowl was not for the 2012 Lincoln MKZ, but for the redesigned 2013 MKZ. Since the 2013 MKZ is fairly new on the road there is not a lot of information available for this vehicle yet. Without information, it is hard to analyze how much the insurance is going to be, even for the insurance companies.

Normally with the lack of information the insurance companies have to rely on the insurance rates from the previous year to set the premium. So we are doing something similar and just analyzing the 2012 instead.

2012 Lincoln MKZ Safety

The Insurance Institute for Highway Safety (IIHS) rated this vehicle as being fairly safe. It is not a Top Safety Pick, but it is close. Of all 5 tests that the IIHS conducted on the 2012 Lincoln MKZ it rated “good” on 4 of the 5 tests. The only area that the MKZ did not rate well on was the crash test on the front corner of the vehicle where it only received a “marginal” rating.

To give you an idea of where these ratings rank, here are the IIHS ratings from best to worst as they rank them:

• Good
• Acceptable
• Marginal
• Poor

2012 Lincoln MKZ Recalls

There were no recalls found for the 2012 Lincoln MKZ at the time of writing this article.

2012 Lincoln MKZ Insurance Thoughts

With the fairly decent safety ratings, the medical payments and pip coverages are going to be about average. If the 2012 Lincoln MKZ had better safety ratings the premium would probably be lower for these coverages.

The liability coverage will be average as it is a sedan and can’t cause as much damage as other larger vehicles. The driving statistics for a Lincoln are very wide spread though, with the Lincoln popular with both drivers that have families, as well as elderly drivers.

The coverage that is most likely going to be higher than other comparable sedans on the road today is the comprehensive and collision coverage. The 2012 Lincoln MKZ cost about $34,000 to $36,500; making it more expensive to replace in the event of a total loss, and also more to repair because the parts are more expensive.

Overall, the 2012 Lincoln MKZ is going to be a little more expensive to insure than other sedans, but if you can afford the car, you can probably afford the slightly higher insurance.