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.

Average insurance prices for a Lincoln Navigator are $1,598 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $356, collision insurance costs $686, and liability costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $3,470 or more. 16-year-old drivers receive the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $903
• Drivers who choose higher $1,000 deductibles will pay approximately $236 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,598
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $460 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,470
• The cost to insure a teen driver with full coverage can cost as much as $5,848 a year

View Chart as Image

Auto insurance rates for a Lincoln Navigator can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $700 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost 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 little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Lincoln Navigator insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,160 on average in Florida, New York, and Michigan.

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 Shop for the Best Lincoln Navigator Insurance

Saving money on car insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the primary concepts that were presented in the illustrations above.

• It is possible to save approximately $200 per year just by shopping early and online
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,870 more annually to buy Lincoln Navigator insurance
• Increasing deductibles could save as much as $700 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $487 per month if comprehensive and collision insurance is included

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.