Coated article with ir reflecting layer and multilayer overcoat for reducing fingerprints

A coated article including a coating supported by a glass substrate, the coating comprising moving away from the glass substrate:

• a layer comprising zinc oxide located on the glass substrate;
• an infrared (IR) reflecting layer comprising silver located on the glass substrate over and directly contacting the layer comprising zinc oxide;
• a layer comprising metal oxide located over at least the IR reflecting layer comprising silver;
• and
• a multilayer overcoat comprising a first layer comprising silicon nitride, a layer comprising an oxide of zirconium, and a second layer comprising silicon nitride, the second layer comprising silicon nitride being further from the glass substrate than is the first layer comprising silicon nitride, wherein the layer comprising the oxide of zirconium is located between and directly contacting the first and second layers comprising silicon nitride.