Lincoln Navigator L 2WD Insurance Rates

Average insurance rates for a Lincoln Navigator L 2WD are $1,662 a year for full coverage. Comprehensive costs on average $410 a year, collision costs $730, and liability coverage costs $364. Only liability insurance costs as little as $430 a year, with high-risk insurance costing around $3,584. Teen drivers receive the highest rates at $5,938 a year or more.

Annual premium for full coverage: $1,662

Rate estimates 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

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

These differences show why it is important for drivers to compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Insurance rates for a Lincoln Navigator L 2WD can also vary considerably based on your driver profile, the model year of your Navigator, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,900 a year. View Rates by Age

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

Choosing high deductibles could save up to $760 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

View Chart as Image

Chart shows Lincoln Navigator L 2WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $942. Drivers who choose higher $1,000 deductibles will pay around $1,404. The average rate for a 40-year-old male driver using $500 deductibles is $1,662. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $2,164. High risk drivers could be charged as much as $3,584. The cost for full coverage insurance for a teen driver is $5,938.

View Chart as Image