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.

Estimated auto insurance rates for a Lincoln Navigator are $1,610 annually with full coverage. Comprehensive costs an estimated $372 a year, collision insurance costs $690, and liability costs around $390. A policy with only liability insurance costs as low as $452 a year, and a high-risk policy costs around $3,488. Teenage drivers pay the most at up to $5,852 a year.

Average premium for full coverage: $1,610

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Navigator trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Lincoln Navigator insurance rates for other coverage scenarios.

• The best discount rate is $913
• Using higher $1,000 deductibles will save approximately $1,368 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,610
• Using low $100 deductibles for physical damage coverage will cost $2,080
• High-risk insureds who are prone to accidents and violations could pay up to $3,488
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $5,852 or more

View Chart as Image

Car insurance prices for a Lincoln Navigator also have a wide range based on the model of your Navigator, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $720 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lincoln Navigator insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

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

Finding better rates on insurance for a Lincoln Navigator requires avoiding accidents and claims, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct companies, and also from several local insurance agents.

The points below are a condensed summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,880 more annually to insure a Lincoln Navigator
• You may be able to save approximately $200 per year just by quoting early and online
• Increasing policy deductibles could save up to $700 each year
• Insureds who want increased liability limits will pay an extra $430 every year to increase from 30/60 bodily injury limits 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.