Lincoln Navigator Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 5, 2020

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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.

Average insurance rates for a Lincoln Navigator are $1,138 a year for full coverage. Comprehensive costs on average $206 a year, collision costs $300, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,454. Teen drivers receive the highest rates at $4,472 a year or more.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Comprehensive $206
Collision $300
Liability $474

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Navigator trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for only liability insurance to a high of $2,454 for a high risk driver.

Liability Only $522
Full Coverage $1,138
High Risk $2,454

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $854
Small Cities $1,195
Large Cities $1,536

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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 shows estimated Lincoln Navigator insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $679
  • Drivers who choose higher $1,000 deductibles will pay around $1,022 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,138
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,360
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,454 or more
  • The cost for full coverage for a teen driver may cost $4,472 a year

View Chart as Image

Lincoln Navigator insurance cost comparison chart
Column chart showing full coverage Lincoln Navigator insurance rates range from $679 to $4,472

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

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,400 a year. View Rates by Age

Where you live makes a big difference in Lincoln Navigator insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,620 on average in Michigan, Louisiana, and New York.

Lincoln Navigator Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,030 -$108 -9.5%
Alaska $872 -$266 -23.4%
Arizona $944 -$194 -17.0%
Arkansas $1,138 -$0 0.0%
California $1,296 $158 13.9%
Colorado $1,088 -$50 -4.4%
Connecticut $1,172 $34 3.0%
Delaware $1,288 $150 13.2%
Florida $1,424 $286 25.1%
Georgia $1,050 -$88 -7.7%
Hawaii $818 -$320 -28.1%
Idaho $770 -$368 -32.3%
Illinois $848 -$290 -25.5%
Indiana $856 -$282 -24.8%
Iowa $768 -$370 -32.5%
Kansas $1,084 -$54 -4.7%
Kentucky $1,552 $414 36.4%
Louisiana $1,684 $546 48.0%
Maine $702 -$436 -38.3%
Maryland $938 -$200 -17.6%
Massachusetts $910 -$228 -20.0%
Michigan $1,978 $840 73.8%
Minnesota $952 -$186 -16.3%
Mississippi $1,362 $224 19.7%
Missouri $1,010 -$128 -11.2%
Montana $1,222 $84 7.4%
Nebraska $898 -$240 -21.1%
Nevada $1,364 $226 19.9%
New Hampshire $818 -$320 -28.1%
New Jersey $1,272 $134 11.8%
New Mexico $1,008 -$130 -11.4%
New York $1,198 $60 5.3%
North Carolina $656 -$482 -42.4%
North Dakota $932 -$206 -18.1%
Ohio $786 -$352 -30.9%
Oklahoma $1,168 $30 2.6%
Oregon $1,042 -$96 -8.4%
Pennsylvania $1,086 -$52 -4.6%
Rhode Island $1,518 $380 33.4%
South Carolina $1,030 -$108 -9.5%
South Dakota $962 -$176 -15.5%
Tennessee $998 -$140 -12.3%
Texas $1,372 $234 20.6%
Utah $842 -$296 -26.0%
Vermont $780 -$358 -31.5%
Virginia $682 -$456 -40.1%
Washington $880 -$258 -22.7%
West Virginia $1,042 -$96 -8.4%
Wisconsin $788 -$350 -30.8%
Wyoming $1,016 -$122 -10.7%

View Chart as Image

Lincoln Navigator insurance rates by U.S. city

Choosing high deductibles could save up to $340 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 127% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,118 $93
Lincoln Navigator 4WD $1,138 $95
Lincoln Navigator L 2WD $1,144 $95
Lincoln Navigator L 4WD $1,144 $95

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 $278 $484 $460 $1,380
2008 Lincoln Navigator $206 $300 $474 $1,138
2007 Lincoln Navigator $194 $272 $474 $1,098
2006 Lincoln Navigator $188 $246 $468 $1,060
2005 Lincoln Navigator $184 $240 $460 $1,042
2004 Lincoln Navigator $182 $228 $452 $1,020
2003 Lincoln Navigator $166 $218 $446 $988

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 Find Cheaper Lincoln Navigator Insurance

Saving money on Lincoln Navigator insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $350 each year
  • Drivers can save as much as $130 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $373 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,320 more each year for insurance

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 $4,472
20 $2,604
30 $1,166
40 $1,138
50 $1,042
60 $1,022

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,258
$500 $1,138
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,138
50/100 $1,239
100/300 $1,357
250/500 $1,665
100 CSL $1,286
300 CSL $1,547
500 CSL $1,737

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator Insurance Rates for High Risk Drivers
Age Premium
16 $6,328
20 $4,154
30 $2,484
40 $2,454
50 $2,346
60 $2,322

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $78
Total Discounts $459
Rate after discounts $679

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

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