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 auto insurance rates for a Lincoln Navigator are $1,610 annually with full coverage. Comprehensive insurance costs on average $372, collision insurance costs $690, and liability is estimated at $390. A policy with just liability insurance costs approximately $452 a year, and coverage for high-risk drivers costs $3,488 or more. Teenage drivers pay the highest rates at up to $5,852 a year.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas have fewer collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $913
• Choosing higher $1,000 deductibles can save around $242 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,610
• Using more expensive low deductibles for comp and collision coverage costs an additional $470 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,488
• The price with full coverage for a teen driver with full coverage may cost $5,852 each year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $720 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lincoln Navigator insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,180 on average in Florida, Michigan, and New York.

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 Cheaper Lincoln Navigator Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a condensed summary of the car insurance concepts touched on in this article.

• Higher risk drivers with multiple at-fault accidents pay an average of $1,880 more each year for Navigator insurance
• You may be able to save as much as $200 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $700 each year
• Policyholders who require higher liability limits will pay an extra $430 every year to raise limits from a low limit to higher 250/500 limits

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.