Lincoln Navigator 2WD Insurance Rates

The average insurance rates for a Lincoln Navigator 2WD are $1,602 a year for full coverage. Comprehensive insurance costs an estimated $382, collision insurance costs $698, and liability coverage costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs $3,460 or more. Teenage drivers cost the most to insure at up to $5,774 a year.

Annual premium for full coverage: $1,602

Policy rates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln Navigator Trim Level

These price differences show why everyone should compare rates for a targeted area and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Lincoln Navigator 2WD also range considerably based on your risk profile, the model year of your Navigator, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,700 a year. View Rates by Age

Your home state makes a big difference in Lincoln Navigator 2WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $730 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,900 to $2,500 extra every year, depending on your age. Lincoln Navigator 2WD insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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Chart shows Lincoln Navigator 2WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $907. Drivers who use higher $1,000 deductibles will pay around $1,356. The average rate for a driver around age 40 using $500 deductibles is $1,602. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,080. Drivers with multiple violations and accidents could be charged around $3,460. The rate for full coverage for a teenage driver is $5,774.

View Chart as Image