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.

Average auto insurance rates for a Lincoln Navigator are $1,598 annually for full coverage insurance. Comprehensive costs on average $356 a year, collision insurance costs $686, and liability coverage is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs around $3,470. Teenage drivers receive the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below illustrates average Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The best discount rate is $903
• Raising to $1,000 deductibles will save around $1,362 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,598
• Using low $100 deductibles will cost $2,058
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,470
• The cost with full coverage for a teenage driver may cost $5,848

View Chart as Image

Car insurance rates for a Lincoln Navigator can also vary considerably based on the trim level of your Navigator, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $700 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lincoln Navigator insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,160 on average in Michigan, New York, and Florida.

View Chart as Image

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 Buy Low Cost Lincoln Navigator Insurance

Saving money on auto insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a review of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, costing up to $487 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $1,870 more each year than a driver with a clean driving record
• Increasing deductibles could save up to $700 each year
• It is possible to save as much as $200 per year just by quoting early and online

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.