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 prices for a Lincoln Navigator are $1,598 every 12 months with full coverage. Comprehensive costs approximately $356, collision costs $686, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing around $3,470. Teens receive the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Lincoln Navigator insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $903
• Choosing higher $1,000 deductibles can save $236 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,598
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $2,058
• High-risk insureds with serious driving violations could pay around $3,470 or more
• The cost to insure a teen driver with full coverage can cost $5,848 each year

View Chart as Image

Car insurance rates for a Lincoln Navigator can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Navigator.

Choosing higher comprehensive and collision insurance deductibles can save as much as $700 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,160 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

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 Shop for Cheap Lincoln Navigator Insurance

Saving money on Lincoln Navigator insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the data touched on above.

• Drivers who purchase higher liability limits will pay approximately $440 every year to raise limits from a minimum limit to a 250/500 level
• You may be able to save around $200 per year simply by shopping early and online
• Increasing deductibles could save as much as $700 each year
• Teenagers pay the highest auto insurance rates, with premiums as much as $487 per month if the policy includes full coverage

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.