Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Aug 14, 2019

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The 2012 Lincoln Mercury MKZ ranks low in the competitive upscale midsize sedan class amongst many reviewers.

Some suggest if you’re looking for a spacious sedan with a generous standard features list, the MKZ is worth a test drive, however, if you prioritize performance and interior fit and finish, you should look elsewhere.

According to U.S. News, you can get the MKZ experience for a lower price by purchasing a Ford Fusion instead. It has the same build and many of the same features at the higher trim levels.

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Among upscale sedans, U.S. News explains that the Lexus ES is your best bet if you’re searching for a luxury cruiser, and the Audi A4 is a great choice for consumers who want an engaging driving experience and need all-wheel drive.

The ES is about $2,000 more than the 2012 MKZ, but you can get a base model A4 for around $2,000 less.

Lincoln MKZ Auto Insurance Rates

The National Automobile Dealers Association reports that drivers typically pay about $1,277 in auto insurance premiums for the Lincoln MKZ each year, or about $106 per month.

That’s nearly identical to the average annual rate of $1,279 for the Lexus ES, but it’s substantially cheaper than what you’ll pay to insure most other upscale sedans.

For instance, Cadillac CTS auto insurance can cost as much as $2,000 per year, and the NADA reports that you’ll pay about $1,800 annually to insure either an Infiniti G or a Mercedes C Class.

For other upscale sedans like the BMW 3 Series, the Volkswagen Eos, or the Audi A5, annual rates average about $1,700.

Lincoln MKZ Warranty and Repairs

As is the case with many upscale sedans, the 2012 Lincoln MKZ is under limited warranty for four years or 50,000 miles. For most drivers, the vehicle’s warranty will expire during the fourth year they own it, and they’ll owe about $710 for repairs.

The fifth year, they’ll pay about $1,065 in repair costs, for a 5-year total of about $1,774.

The Lexus ES has lower average repair costs than the MKZ does, at about $1,422 for five years, and the typical owner pays just a little over $1,000 in repair expenses for an Infiniti G.

However, other upscale sedans incur much higher repair costs than the MKZ does. For instance, you’ll pay around $2,600 in repair costs for the 3 Series or the C Class, and the Audi A5 usually costs about $2,333 to repair for five years.

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Lincoln MKZ Maintenance Expenses

Unlike some luxury sedans, the 2012 Lincoln MKZ doesn’t come with free scheduled maintenance for the life of the warranty.

Though most owners don’t pay anything for maintenance during the first and second years of ownership, the typical third-year maintenance bill is $656. The fourth-year you drive your MKZ, expect to pay around $376 for scheduled service. The MKZ’s fifth-year costs usually total about $501.

That all adds up to just $1,533, which is an exceptionally low rate for an upscale sedan. The Lexus ES’ 5-year maintenance costs usually total about $2,665, and you’ll pay anywhere from $3,000 to $4,000 to repair a Cadillac CTS for five years.

Maintenance costs for the Volkswagen Eos and the BMW 3 Series also fall in this range, and the Audi A5 costs about $5,500 to maintain for five years. Routine maintenance costs for the Mercedes C Class and the Infiniti G approach $6,000.

Lincoln MKZ Safety Ratings and Features

The Insurance Institute for Highway Safety (IIHS) rates the 2012 Lincoln MKZ a “Top Safety Pick,” along with the Audi A4, the Mercedes C Class, the Volkswagen CC, and the Volvo S60. This means it earned the highest rating of “Good” from the IIHS in rear impact, side impact, rollover, and frontal collision tests.

Surprisingly, many vehicles in the upscale sedan class have unimpressive safety ratings. For instance, the Lexus ES and the Infiniti G both received “Marginal” ratings in rear impact testing, and the BMW 3 Series’ rollover score was just “Average.”

The Infiniti G and the Saab 9-3 earned average scores in this category as well. The MKZ is equipped with standard safety features like these:

  • Anti-lock brakes
  • Electronic stability control
  • Traction control
  • Tire pressure monitoring

Lincoln MKZ Fuel Economy

The 2012 Lincoln MKZ only gets 18 city miles per gallon, which means it’s near the bottom of its class in this respect. The Volvo S60, the Mercedes Benz C Class, and the BMW 3 Series also get 18 city mpg, but you can get 21 city mpg if you opt for an Audi A4 or A5.

The MKZ’s 27 highway mpg is one mile per gallon better than what you’ll get with the C Class, Cadillac CTS, or Saab 9-5, but it’s still far worse than the 31 highway mpg offered by the Audi A4 and A5.

If fuel economy is a very high priority for you, there are several hybrid options in the upscale midsize sedan class. Lincoln’s MKZ Hybrid starts at $34,645 and gets 41 city mpg/36 highway mpg.

The Chevrolet Volt has an entry-level price of $40,280, and it gets 35 city mpg/40 highway mpg.

There’s also the Lexus HS, which has a base price of $36,330 and matches the Volt’s city fuel economy. On the highway, it gets 34 mpg.

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