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 insurance rates for a Lincoln Navigator are $1,598 a year including full coverage. Comprehensive costs around $356 a year, collision insurance costs $686, and liability costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance costs around $3,470. Teen drivers pay the most at up to $5,848 a year.

Average premium for full coverage: $1,598

Premium estimates for type of coverage:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Navigator trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and risk profile, instead of using price averages.

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

Rate Comparisons

The chart below breaks down average Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $903
• Drivers who choose higher $1,000 deductibles will pay about $1,362 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,598
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,058
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,470
• An auto insurance policy for full coverage for a teen driver can be $5,848 a year

View Chart as Image

Auto insurance prices for a Lincoln Navigator also have a wide range based on your driving characteristics, the model of your Navigator, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,800 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln Navigator insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $700 every year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 133% more than average. View High Risk Driver Rates

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 the Best Cheap Lincoln Navigator Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having good credit, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the material that was touched on in the above illustrations.

• Policyholders who may need additional liability coverage will pay about $440 per year to go from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $487 per month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,870 more every year than a driver with a clean driving record
• Increasing policy deductibles can save around $700 each year

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.