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

Average premium for full coverage: $1,598

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

These examples show why everyone should compare rates quotes for a targeted area and risk profile, 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
• Raising to $1,000 deductibles will save approximately $236 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,598
• Choosing pricier low deductibles will cost an extra $460 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,470 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $5,848

View Chart as Image

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

A more mature driver with no driving violations and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Where you live also has a big influence on Lincoln Navigator insurance rates. A middle-age driver might find rates 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

Choosing high deductibles can reduce rates by up to $700 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. Lincoln Navigator insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

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 Find Cheaper Lincoln Navigator Insurance

Saving money on Lincoln Navigator insurance consists of avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Invest the time to shop around at every other renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a condensed summary of the concepts that were illustrated above.

• High-risk drivers with multiple at-fault accidents pay an average of $1,870 more annually to insure a Lincoln Navigator
• Drivers under the age of 20 have the highest car insurance rates, costing as high as $487 per month if full coverage is included
• Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $700 each year
• Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date

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.