Lincoln Navigator 4WD Insurance Rates

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Average insurance rates for a Lincoln Navigator 4WD are $1,648 a year for full coverage insurance. Comprehensive insurance costs an estimated $396 a year, collision insurance costs $730, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs $3,562 or more. Teenage drivers receive the highest rates at up to $5,916 a year.

Annual premium for full coverage: $1,648

Rate estimates broken down by individual coverage type:

Comprehensive $396
Collision $730
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 average 40-year-old driver, prices range from as low as $430 for just liability coverage to a high of $3,562 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,648
High Risk $3,562

These differences illustrate why it is important for drivers to compare prices 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 4WD can also vary considerably based on your driver profile, the model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age

Where you live has a huge impact on Lincoln Navigator 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $750 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

Lincoln Navigator 4WD insurance cost comparison chart
Column chart showing Lincoln Navigator 4WD insurance prices range from $932 to $5,916 for full coverage

The chart estimates Lincoln Navigator 4WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $932. Drivers who use higher $1,000 deductibles will pay around $1,394. The average rate for a driver around age 40 using $500 deductibles is $1,648. Choosing low $100 deductibles for physical damage coverage could cost up to $2,144. Drivers with multiple violations and accidents could be charged as much as $3,562. The cost for full coverage for a teenage driver can be as high as $5,916.

Lincoln Navigator 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,490 -$158 -9.6%
Alaska $1,264 -$384 -23.3%
Arizona $1,368 -$280 -17.0%
Arkansas $1,648 -$0 0.0%
California $1,878 $230 14.0%
Colorado $1,574 -$74 -4.5%
Connecticut $1,694 $46 2.8%
Delaware $1,866 $218 13.2%
Florida $2,062 $414 25.1%
Georgia $1,522 -$126 -7.6%
Hawaii $1,184 -$464 -28.2%
Idaho $1,114 -$534 -32.4%
Illinois $1,228 -$420 -25.5%
Indiana $1,240 -$408 -24.8%
Iowa $1,112 -$536 -32.5%
Kansas $1,566 -$82 -5.0%
Kentucky $2,248 $600 36.4%
Louisiana $2,438 $790 47.9%
Maine $1,016 -$632 -38.3%
Maryland $1,358 -$290 -17.6%
Massachusetts $1,318 -$330 -20.0%
Michigan $2,864 $1,216 73.8%
Minnesota $1,378 -$270 -16.4%
Mississippi $1,974 $326 19.8%
Missouri $1,462 -$186 -11.3%
Montana $1,770 $122 7.4%
Nebraska $1,298 -$350 -21.2%
Nevada $1,976 $328 19.9%
New Hampshire $1,188 -$460 -27.9%
New Jersey $1,842 $194 11.8%
New Mexico $1,458 -$190 -11.5%
New York $1,734 $86 5.2%
North Carolina $950 -$698 -42.4%
North Dakota $1,350 -$298 -18.1%
Ohio $1,138 -$510 -30.9%
Oklahoma $1,692 $44 2.7%
Oregon $1,508 -$140 -8.5%
Pennsylvania $1,572 -$76 -4.6%
Rhode Island $2,198 $550 33.4%
South Carolina $1,492 -$156 -9.5%
South Dakota $1,390 -$258 -15.7%
Tennessee $1,442 -$206 -12.5%
Texas $1,986 $338 20.5%
Utah $1,222 -$426 -25.8%
Vermont $1,126 -$522 -31.7%
Virginia $988 -$660 -40.0%
Washington $1,274 -$374 -22.7%
West Virginia $1,512 -$136 -8.3%
Wisconsin $1,142 -$506 -30.7%
Wyoming $1,468 -$180 -10.9%

View Chart as Image

Lincoln Navigator 4WD insurance rates by U.S. city

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Rates by Driver Age

Lincoln Navigator 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,916
20 $3,798
30 $1,736
40 $1,648
50 $1,500
60 $1,472

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,144
$250 $1,914
$500 $1,648
$1,000 $1,394

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,648
50/100 $1,721
100/300 $1,812
250/500 $2,048
100 CSL $1,757
300 CSL $1,957
500 CSL $2,103

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,488
20 $6,036
30 $3,660
40 $3,562
50 $3,396
60 $3,364

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 $231

Potential Rate Discounts

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

Discount Savings
Multi-policy $89
Multi-vehicle $84
Homeowner $22
5-yr Accident Free $129
5-yr Claim Free $107
Paid in Full/EFT $81
Advance Quote $85
Online Quote $119
Total Discounts $716
Rate after discounts $932

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

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