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 $1,610 annually for full coverage. Comprehensive insurance costs an estimated $372 a year, collision insurance costs $690, and liability coverage costs around $390. Liability-only coverage costs as low as $452 a year, and high-risk coverage costs $3,488 or more. Teen drivers receive the highest rates at up to $5,852 a year.

Average premium for full coverage: $1,610

Rate estimates broken down by individual coverage type:

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $913
• Using higher $1,000 deductibles will save approximately $1,368 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,610
• Choosing low $100 deductibles for physical damage coverage costs an additional $470 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,488
• The cost with full coverage for a teenage driver can cost as much as $5,852 or more

View Chart as Image

Car insurance rates for a Lincoln Navigator can also vary considerably based on the trim level of your Navigator, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $720 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,300 on average in New York, Louisiana, 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 Buy More Affordable Lincoln Navigator Insurance

Saving money on auto insurance requires having a good driving record, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Take the time to comparison shop at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a summary of the car insurance concepts touched on in the above illustrations.

• Drivers who have multiple accidents or major violations may pay on average $1,880 more annually to buy Lincoln Navigator insurance
• Drivers can save approximately $200 per year just by quoting early and online
• Increasing deductibles could save up to $700 each year
• Consumers who want increased levels of liability coverage will pay about $430 each year to increase from a minimum limit 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.