Lincoln Navigator L 2WD Insurance Rates

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Average insurance rates for a Lincoln Navigator L 2WD are $1,662 a year for full coverage. Comprehensive costs on average $410 a year, collision costs $730, and liability coverage costs $364. Only liability insurance costs as little as $430 a year, with high-risk insurance costing around $3,584. Teen drivers receive the highest rates at $5,938 a year or more.

Annual premium for full coverage: $1,662

Rate estimates by individual coverage type:

Comprehensive $410
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

Using a middle-aged driver as an example, prices go from as low as $430 for minimum levels of liability insurance to a high of $3,584 for a high-risk driver policy.

Liability Only $430
Full Coverage $1,662
High Risk $3,584

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $1,247
Small Cities $1,745
Large Cities $2,244

These differences show why it is important for drivers to compare rates based on a specific location and risk profile, rather than using price averages.

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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Insurance rates for a Lincoln Navigator L 2WD can also vary considerably based on your driver profile, the model year of your Navigator, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,900 a year. View Rates by Age

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

Choosing high deductibles could save up to $760 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

View Chart as Image

Lincoln Navigator L 2WD insurance cost comparison chart
Column chart showing Lincoln Navigator L 2WD insurance prices range from $942 to $5,938 for full coverage

Chart shows Lincoln Navigator L 2WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $942. Drivers who choose higher $1,000 deductibles will pay around $1,404. The average rate for a 40-year-old male driver using $500 deductibles is $1,662. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $2,164. High risk drivers could be charged as much as $3,584. The cost for full coverage insurance for a teen driver is $5,938.

Lincoln Navigator L 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,502 -$160 -9.6%
Alaska $1,274 -$388 -23.3%
Arizona $1,380 -$282 -17.0%
Arkansas $1,662 -$0 0.0%
California $1,894 $232 14.0%
Colorado $1,588 -$74 -4.5%
Connecticut $1,710 $48 2.9%
Delaware $1,882 $220 13.2%
Florida $2,078 $416 25.0%
Georgia $1,534 -$128 -7.7%
Hawaii $1,194 -$468 -28.2%
Idaho $1,124 -$538 -32.4%
Illinois $1,238 -$424 -25.5%
Indiana $1,252 -$410 -24.7%
Iowa $1,120 -$542 -32.6%
Kansas $1,580 -$82 -4.9%
Kentucky $2,268 $606 36.5%
Louisiana $2,460 $798 48.0%
Maine $1,024 -$638 -38.4%
Maryland $1,370 -$292 -17.6%
Massachusetts $1,330 -$332 -20.0%
Michigan $2,888 $1,226 73.8%
Minnesota $1,390 -$272 -16.4%
Mississippi $1,992 $330 19.9%
Missouri $1,474 -$188 -11.3%
Montana $1,784 $122 7.3%
Nebraska $1,310 -$352 -21.2%
Nevada $1,994 $332 20.0%
New Hampshire $1,198 -$464 -27.9%
New Jersey $1,858 $196 11.8%
New Mexico $1,472 -$190 -11.4%
New York $1,750 $88 5.3%
North Carolina $958 -$704 -42.4%
North Dakota $1,362 -$300 -18.1%
Ohio $1,146 -$516 -31.0%
Oklahoma $1,706 $44 2.6%
Oregon $1,522 -$140 -8.4%
Pennsylvania $1,584 -$78 -4.7%
Rhode Island $2,216 $554 33.3%
South Carolina $1,506 -$156 -9.4%
South Dakota $1,402 -$260 -15.6%
Tennessee $1,454 -$208 -12.5%
Texas $2,002 $340 20.5%
Utah $1,232 -$430 -25.9%
Vermont $1,136 -$526 -31.6%
Virginia $996 -$666 -40.1%
Washington $1,284 -$378 -22.7%
West Virginia $1,524 -$138 -8.3%
Wisconsin $1,152 -$510 -30.7%
Wyoming $1,482 -$180 -10.8%

View Chart as Image

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

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Rates by Driver Age

Lincoln Navigator L 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,938
20 $3,818
30 $1,750
40 $1,662
50 $1,512
60 $1,484

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator L 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,164
$250 $1,930
$500 $1,662
$1,000 $1,404

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator L 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,662
50/100 $1,735
100/300 $1,826
250/500 $2,062
100 CSL $1,771
300 CSL $1,971
500 CSL $2,117

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator L 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,518
20 $6,064
30 $3,684
40 $3,584
50 $3,416
60 $3,384

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 $90
Multi-vehicle $84
Homeowner $22
5-yr Accident Free $129
5-yr Claim Free $108
Paid in Full/EFT $82
Advance Quote $85
Online Quote $120
Total Discounts $720
Rate after discounts $942

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

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