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.

The average auto insurance rates for a Lincoln Navigator are $1,598 annually for full coverage. Comprehensive insurance costs around $356, collision costs $686, and liability insurance is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing $3,470 or more. 16-year-old drivers cost the most to insure at $5,848 a year or more.

Average premium for full coverage: $1,598

Policy rates for type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Navigator models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.

The example below illustrates how your location can change auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

The chart below shows estimated Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $903
• Choosing higher $1,000 deductibles can save about $236 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,598
• Buying pricier low deductibles for comp and collision coverage costs an additional $460 a year
• High-risk insureds with multiple tickets or accidents could pay at least $3,470 or more
• Policy cost with full coverage for a teen driver for full coverage can be $5,848 each year

View Chart as Image

Auto insurance rates for a Lincoln Navigator also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,900 to $2,600 in extra premium every year, depending on your age. Lincoln Navigator insurance for high-risk drivers ranges anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $700 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,280 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates will be varied between companies.

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

Finding cheaper rates on Lincoln Navigator insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a review of the ideas that were illustrated above.

• Drivers age 16 to 20 are expensive to insure, costing up to $487 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations pay an average of $1,870 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Drivers can save up to $200 per year simply by quoting online well ahead of the renewal date

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.