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.

U.S. average insurance prices for a Lincoln Navigator are $1,598 every 12 months with full coverage. Comprehensive costs approximately $356, collision costs $686, and liability costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $3,470. Teen drivers pay the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Price estimates by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details estimated Lincoln Navigator insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $903
• Using higher $1,000 deductibles will save $236 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,598
• Choosing more expensive low deductibles for physical damage coverage increases the price to $2,058
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,470 or more
• The price to insure a 16-year-old driver with full coverage can cost $5,848 or more

View Chart as Image

Auto insurance prices for a Lincoln Navigator are also quite variable based on deductibles and policy limits, your driving record, and the model of your Navigator.

Choosing high deductibles could cut prices by as much as $700 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance can be from 44% to 133% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Lincoln Navigator insurance prices. A driver around age 40 might see prices as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,160 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted prices may be quite different.

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 Shop for Cheap Lincoln Navigator Insurance

Getting lower rates on insurance for a Lincoln Navigator requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief summary of the material that was covered in the above illustrations.

• Insureds who purchase more liability protection will pay about $440 every year to increase from a low limit to a 250/500 level
• Youthful drivers have the highest car insurance prices, costing up to $487 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,870 more per year than a low-risk driver
• Increasing physical damage deductibles could save as much as $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.