Lincoln Navigator 4WD Insurance Rates

Average insurance rates for a Lincoln Navigator 4WD are $1,648 a year for full coverage insurance. Comprehensive insurance costs an estimated $396 a year, collision insurance costs $730, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs $3,562 or more. Teenage drivers receive the highest rates at up to $5,916 a year.

Annual premium for full coverage: $1,648

Rate estimates broken down by individual coverage type:

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

Price Range for Insurance for this Lincoln Navigator Trim Level

These differences illustrate why it is important for drivers to compare prices 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 4WD can also vary considerably based on your driver profile, the model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age

Where you live has a huge impact on Lincoln Navigator 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $750 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

The chart estimates Lincoln Navigator 4WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $932. Drivers who use higher $1,000 deductibles will pay around $1,394. The average rate for a driver around age 40 using $500 deductibles is $1,648. Choosing low $100 deductibles for physical damage coverage could cost up to $2,144. Drivers with multiple violations and accidents could be charged as much as $3,562. The cost for full coverage for a teenage driver can be as high as $5,916.

View Chart as Image