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 auto insurance rates for a Lincoln Navigator are $1,598 annually for full coverage. Comprehensive insurance costs an estimated $356, collision costs $686, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing $3,470 or more. Teen drivers pay the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Price estimates broken down by individual coverage:

These estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have fewer accident claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $903
• Choosing higher $1,000 deductibles can save approximately $236 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,598
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $460 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,470 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $5,848 each year

View Chart as Image

Auto insurance prices for a Lincoln Navigator are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $700 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Iowa, Maine, and Idaho, or as much as $2,280 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices may be quite 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

Getting lower rates on Lincoln Navigator insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the material that was covered in the charts and tables above.

• Drivers who want increased levels of liability coverage will pay about $440 each year to raise limits from a low limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $487 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,870 more annually to buy Lincoln Navigator insurance
• Increasing physical damage 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.