Lincoln Navigator 2WD Insurance Rates

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The average insurance rates for a Lincoln Navigator 2WD are $1,602 a year for full coverage. Comprehensive insurance costs an estimated $382, collision insurance costs $698, and liability coverage costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs $3,460 or more. Teenage drivers cost the most to insure at up to $5,774 a year.

Annual premium for full coverage: $1,602

Policy rates broken down by type of coverage:

Comprehensive $382
Collision $698
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln Navigator Trim Level

For the normal driver, Lincoln Navigator 2WD insurance rates range from as low as $430 for a discount liability-only rate to the much higher price of $3,460 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,602
High Risk $3,460

These price differences show why everyone should compare rates for a targeted area and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Car insurance rates for a Lincoln Navigator 2WD also range considerably based on your risk profile, the model year of your Navigator, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,700 a year. View Rates by Age

Your home state makes a big difference in Lincoln Navigator 2WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $730 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,900 to $2,500 extra every year, depending on your age. Lincoln Navigator 2WD insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

View Chart as Image

Lincoln Navigator 2WD insurance cost comparison chart
Column chart showing Lincoln Navigator 2WD insurance prices range from $907 to $5,774 for full coverage

Chart shows Lincoln Navigator 2WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $907. Drivers who use higher $1,000 deductibles will pay around $1,356. The average rate for a driver around age 40 using $500 deductibles is $1,602. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,080. Drivers with multiple violations and accidents could be charged around $3,460. The rate for full coverage for a teenage driver is $5,774.

Lincoln Navigator 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,448 -$154 -9.6%
Alaska $1,228 -$374 -23.3%
Arizona $1,332 -$270 -16.9%
Arkansas $1,602 -$0 0.0%
California $1,826 $224 14.0%
Colorado $1,530 -$72 -4.5%
Connecticut $1,648 $46 2.9%
Delaware $1,814 $212 13.2%
Florida $2,004 $402 25.1%
Georgia $1,480 -$122 -7.6%
Hawaii $1,152 -$450 -28.1%
Idaho $1,082 -$520 -32.5%
Illinois $1,192 -$410 -25.6%
Indiana $1,206 -$396 -24.7%
Iowa $1,082 -$520 -32.5%
Kansas $1,522 -$80 -5.0%
Kentucky $2,186 $584 36.5%
Louisiana $2,372 $770 48.1%
Maine $988 -$614 -38.3%
Maryland $1,322 -$280 -17.5%
Massachusetts $1,282 -$320 -20.0%
Michigan $2,784 $1,182 73.8%
Minnesota $1,340 -$262 -16.4%
Mississippi $1,920 $318 19.9%
Missouri $1,422 -$180 -11.2%
Montana $1,720 $118 7.4%
Nebraska $1,264 -$338 -21.1%
Nevada $1,922 $320 20.0%
New Hampshire $1,156 -$446 -27.8%
New Jersey $1,792 $190 11.9%
New Mexico $1,418 -$184 -11.5%
New York $1,686 $84 5.2%
North Carolina $924 -$678 -42.3%
North Dakota $1,312 -$290 -18.1%
Ohio $1,106 -$496 -31.0%
Oklahoma $1,646 $44 2.7%
Oregon $1,468 -$134 -8.4%
Pennsylvania $1,528 -$74 -4.6%
Rhode Island $2,136 $534 33.3%
South Carolina $1,452 -$150 -9.4%
South Dakota $1,352 -$250 -15.6%
Tennessee $1,402 -$200 -12.5%
Texas $1,930 $328 20.5%
Utah $1,186 -$416 -26.0%
Vermont $1,098 -$504 -31.5%
Virginia $960 -$642 -40.1%
Washington $1,238 -$364 -22.7%
West Virginia $1,468 -$134 -8.4%
Wisconsin $1,110 -$492 -30.7%
Wyoming $1,428 -$174 -10.9%

View Chart as Image

Lincoln Navigator 2WD insurance rates by U.S. city

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Rates by Driver Age

Lincoln Navigator 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,774
20 $3,690
30 $1,684
40 $1,602
50 $1,460
60 $1,432

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,080
$250 $1,858
$500 $1,602
$1,000 $1,356

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,602
50/100 $1,675
100/300 $1,766
250/500 $2,002
100 CSL $1,711
300 CSL $1,911
500 CSL $2,057

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,274
20 $5,866
30 $3,554
40 $3,460
50 $3,300
60 $3,270

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $224

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $87
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $124
5-yr Claim Free $104
Paid in Full/EFT $78
Advance Quote $82
Online Quote $116
Total Discounts $695
Rate after discounts $907

Discounts are estimated and may not be available from every company or in every state.

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