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.

U.S. average insurance rates for a Lincoln Navigator are $1,598 a year for full coverage insurance. Comprehensive costs an estimated $356, collision insurance costs $686, and liability costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $3,470. Teenage drivers pay the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Price estimates broken down by individual coverage:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $903
• Using higher $1,000 deductibles will save approximately $236 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,598
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $2,058
• High-risk insureds who are prone to accidents and violations could pay up to $3,470
• The price that insures a 16-year-old driver with full coverage can cost as much as $5,848 or more

View Chart as Image

Car insurance prices for a Lincoln Navigator are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance can be from 44% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,800 a year. View Rates by Age

The state you live in has a huge impact on Lincoln Navigator insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,160 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $700 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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

Getting lower rates on insurance for a Lincoln Navigator requires having a good driving record, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare prices once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a review of the data that was covered above.

• It is possible to save approximately $200 per year just by shopping early and online
• Insureds who want increased levels of liability coverage will pay an extra $440 annually to increase from a low limit to the 250/500 level
• Drivers age 20 and younger have the highest car insurance prices, as much as $487 a month if full coverage is purchased
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,870 more annually to buy Lincoln Navigator 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.