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 insurance rates for a Lincoln Navigator are $1,598 a year with full coverage. Comprehensive insurance costs approximately $356 a year, collision costs $686, and liability coverage costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $3,470 or more. Teen drivers receive the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

More Rate Information

The chart below details estimated Lincoln Navigator insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $903
• Using higher $1,000 deductibles will save $1,362 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,598
• Choosing low $100 deductibles for physical damage coverage will cost an extra $460 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,470 or more
• The cost for full coverage for a teenage driver can cost $5,848 or more

View Chart as Image

Car insurance rates for a Lincoln Navigator can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

Where you live has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see rates as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,160 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $700 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes can be significantly 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 More Affordable Lincoln Navigator Insurance

Saving money on auto insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Spend time shopping around every other policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a summary of the ideas that were touched on above.

• 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums as much as $487 per month if full coverage is included
• Drivers who have multiple accidents or major violations pay on average $1,870 more per year than a driver with a clean driving record
• Increasing deductibles can save around $700 each year
• You may be able to save around $200 per year simply 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.