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 auto insurance rates for a Lincoln Navigator are $1,598 annually with full coverage. Comprehensive insurance costs around $356 a year, collision costs $686, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing $3,470 or more. Teens receive the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Rate estimates for individual coverage type:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.

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

These examples demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

The chart below details estimated Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $903
• Drivers who choose higher $1,000 deductibles will pay about $1,362 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,598
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $460 every year
• Higher-risk drivers with serious driving violations could pay at least $3,470 or more
• The cost with full coverage for a teen driver can be $5,848 a year

View Chart as Image

Insurance rates for a Lincoln Navigator can also vary considerably based on the trim level of your Navigator, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $700 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lincoln Navigator insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,160 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to get quotes and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different between companies.

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 Cheap Lincoln Navigator Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief summary of the material that was touched on in the above illustrations.

• Policyholders who may need higher levels of liability will pay approximately $440 every year to go from a minimum limit to higher 250/500 limits
• Teenage drivers are charged the highest rates, with premiums as much as $487 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,870 more every year for auto insurance
• Increasing deductibles could save up to $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.