Lincoln Navigator Insurance Rates

The average Lincoln Navigator insurance rates are $136 per month or $1,638 annually. A lot of factors go into calculating the average price of affordable Lincoln Navigator car insurance. 

For example, the Lincoln Navigator 2019 model will cost less to insure than the Lincoln Navigator 2020 model. A Lincoln Navigator 2018 model will cost even less. Read our comprehensive guide to learn how you can get cheap car insurance for this large luxury SUV.

Compare cheap Lincoln Navigator insurance rates from top Lincoln Navigator car insurance companies by entering your five-digit ZIP code into our FREE quote comparison tool.

Estimated insurance rates for a Lincoln Navigator are $1,610 a year for full coverage insurance. Comprehensive insurance costs an estimated $372, collision costs $690, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing $3,488 or more. Teen drivers pay the most at $5,852 a year or more.

Average premium for full coverage: $1,610

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Navigator trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Lincoln Navigator insurance rates for other coverage scenarios.

• The lowest rate with discounts is $913
• Raising to $1,000 deductibles will save approximately $242 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,610
• Choosing more expensive low deductibles will cost an extra $470 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,488 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,852

View Chart as Image

Auto insurance prices for a Lincoln Navigator also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln Navigator insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $720 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,900 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Lincoln Navigator Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a review of the coverage data covered in the charts and tables above.

• It is possible to save approximately $200 per year simply by shopping early and online
• Increasing policy deductibles can save around $700 each year
• Teenage drivers are the costliest to insure, with premiums being up to $488 per month if they have full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,880 more annually for auto insurance

We’ve discussed how Lincoln is who makes the Lincoln Navigator, and how companies determine the Lincoln Navigator price for insurance. Secure the cheapest Lincoln Navigator insurance rates by entering your ZIP code into our FREE tool to start comparing Lincoln Navigator car insurance quotes right away. 

What are the safety ratings for the Lincoln Navigator?

Understanding the Lincoln Navigator safety ratings can help you see where you can qualify for insurance discounts, and what might be costing you more money. 

See your car’s safety ratings below:

• Latch ease of use: Marginal

The rating of Good is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the safety ratings for this vehicle are incomplete, which means your insurance rates will be higher. 

Another question insurance companies will ask is are Lincoln Navigator parts expensive? Because the Lincoln Navigator interior and exterior are costly to replace if you’re involved in an accident, expect to see higher than average insurance rates. 

You’ve seen the data. Now you know, is a Lincoln Navigator a good car and is the Lincoln Navigator worth it are two questions you’ll have to answer for yourself. 

Lincoln Navigator Compared Against other Vehicles in the Same Class

We’ve discussed how much is insurance on a Lincoln Navigator and why. Comparing the Lincoln Navigator to similar vehicles can help you save money, especially if the Lincoln Navigator has a better loss ratio than other vehicles in its class.  

Officially, the Insurance Institute for Highway Safety classifies the Lincoln Navigator as a large SUV.

Check ou other comparable car models below.

• Chevrolet Tahoe
• GMC Yukon
• Nissan Armada

However, if you’re interested in a Lincoln Navigator for sale, you likely care more about other important questions. 

Such as, how much is a fully loaded Lincoln Navigator? It can cost you over $100,000 in total. And how many does a Lincoln Navigator seat? Seven people can comfortably fit in this large SUV.

You may also be wondering what is the difference between a Lincoln Navigator and a Lincoln Navigator L? The L model costs more and includes more storage space and other optional features. 

You’re now an expert on the Lincoln Navigator insurance rates. Whether you’re looking at the 2020 lincoln navigator configurations or purchasing the Lincoln Navigator 2021 model, you know how to save on your car insurance.

Now you can start comparison shopping for cheap car insurance quotes for when you buy Lincoln Navigator car insurance by entering your five-digit ZIP code into our FREE quote comparison tool.