Lincoln Navigator Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2023

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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.

The average auto insurance rates for a Lincoln Navigator are $1,060 annually for full coverage insurance. Comprehensive costs an estimated $188 each year, collision insurance costs $246, and liability is estimated at $468. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $2,276. Teenage drivers cost the most to insure at up to $4,210 a year.

Average premium for full coverage: $1,060

Policy rates broken down by type of insurance:

Comprehensive $188
Collision $246
Liability $468

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist coverage. Prices are averaged for all 50 states and Navigator models.

Price Range Variability

For a driver in their 40's, Lincoln Navigator insurance rates range from as cheap as $518 for only liability insurance to a high rate of $2,276 for a driver who has had serious violations or accidents.

Liability Only $518
Full Coverage $1,060
High Risk $2,276

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

Rural Areas $795
Small Cities $1,113
Large Cities $1,431

The examples above illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

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

  • The best discount rate is $640
  • Choosing higher $1,000 deductibles can save approximately $100 each year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,060
  • Using low deductibles for comp and collision coverage will cost $1,244
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,276
  • Policy cost with full coverage for a 16-year-old driver can cost as much as $4,210 each year

View Chart as Image

Lincoln Navigator insurance cost comparison chart
Column chart showing Lincoln Navigator insurance rates range from $640 to $4,210 for full coverage

Insurance rates for a Lincoln Navigator also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $421 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lincoln Navigator insurance prices. A good driver about age 40 could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,430 on average in Florida, New York, and Michigan.

Lincoln Navigator Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $960 -$100 -9.4%
Alaska $814 -$246 -23.2%
Arizona $880 -$180 -17.0%
Arkansas $1,060 -$0 0.0%
California $1,208 $148 14.0%
Colorado $1,014 -$46 -4.3%
Connecticut $1,090 $30 2.8%
Delaware $1,200 $140 13.2%
Florida $1,326 $266 25.1%
Georgia $978 -$82 -7.7%
Hawaii $760 -$300 -28.3%
Idaho $716 -$344 -32.5%
Illinois $790 -$270 -25.5%
Indiana $798 -$262 -24.7%
Iowa $714 -$346 -32.6%
Kansas $1,008 -$52 -4.9%
Kentucky $1,446 $386 36.4%
Louisiana $1,568 $508 47.9%
Maine $656 -$404 -38.1%
Maryland $872 -$188 -17.7%
Massachusetts $848 -$212 -20.0%
Michigan $1,842 $782 73.8%
Minnesota $886 -$174 -16.4%
Mississippi $1,270 $210 19.8%
Missouri $940 -$120 -11.3%
Montana $1,140 $80 7.5%
Nebraska $838 -$222 -20.9%
Nevada $1,270 $210 19.8%
New Hampshire $764 -$296 -27.9%
New Jersey $1,186 $126 11.9%
New Mexico $940 -$120 -11.3%
New York $1,118 $58 5.5%
North Carolina $612 -$448 -42.3%
North Dakota $868 -$192 -18.1%
Ohio $734 -$326 -30.8%
Oklahoma $1,088 $28 2.6%
Oregon $970 -$90 -8.5%
Pennsylvania $1,010 -$50 -4.7%
Rhode Island $1,414 $354 33.4%
South Carolina $960 -$100 -9.4%
South Dakota $894 -$166 -15.7%
Tennessee $928 -$132 -12.5%
Texas $1,278 $218 20.6%
Utah $784 -$276 -26.0%
Vermont $726 -$334 -31.5%
Virginia $634 -$426 -40.2%
Washington $820 -$240 -22.6%
West Virginia $970 -$90 -8.5%
Wisconsin $734 -$326 -30.8%
Wyoming $944 -$116 -10.9%

View Chart as Image

Lincoln Navigator insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln Navigator Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln Navigator 2WD $1,040 $87
Lincoln Navigator 4WD $1,060 $88
Lincoln Navigator L 2WD $1,066 $89
Lincoln Navigator L 4WD $1,066 $89

Rates assume 2008 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.

Lincoln Navigator Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Lincoln Navigator $250 $418 $464 $1,290
2008 Lincoln Navigator $188 $246 $468 $1,060
2007 Lincoln Navigator $184 $240 $460 $1,042
2006 Lincoln Navigator $182 $228 $452 $1,020
2005 Lincoln Navigator $166 $218 $446 $988
2004 Lincoln Navigator $160 $206 $442 $966

Rates are averaged for all Lincoln Navigator models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Low Cost Lincoln Navigator Insurance

Finding cheaper rates on insurance for a Lincoln Navigator takes being a safe driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Here is a review of the ideas that were covered in the charts and tables above.

  • Young drivers are charged the highest rates, possibly costing $351 each month including comprehensive and collision insurance
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,220 more annually for insurance
  • Increasing comprehensive and collision deductibles could save up to $275 each year
  • It is possible to save approximately $120 per year just by quoting online in advance

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. 

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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.

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.

Rates by Driver Age

Lincoln Navigator Insurance Rates by Driver Age
Driver Age Premium
16 $4,210
20 $2,416
30 $1,082
40 $1,060
50 $970
60 $950

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,244
$250 $1,160
$500 $1,060
$1,000 $960

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,060
50/100 $1,160
100/300 $1,277
250/500 $1,581
100 CSL $1,206
300 CSL $1,464
500 CSL $1,651

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator Insurance Rates for High Risk Drivers
Age Premium
16 $5,936
20 $3,850
30 $2,300
40 $2,276
50 $2,176
60 $2,154

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $66
5-yr Claim Free $67
Paid in Full/EFT $39
Advance Quote $47
Online Quote $72
Total Discounts $420
Rate after discounts $640

Discounts are estimated and may not be available from every company or in every state.

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