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: 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 $1,098 a year including full coverage. Comprehensive insurance costs on average $194 a year, collision insurance costs $272, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,366 or more. Teenage drivers receive the highest rates at up to $4,346 a year.

Average premium for full coverage: $1,098

Rate estimates by individual coverage type:

Comprehensive $194
Collision $272
Liability $474

Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Navigator trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $522 for your basic liability-only policy to a high of $2,366 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,098
High Risk $2,366

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $824
Small Cities $1,153
Large Cities $1,482

These examples highlight why it is important to compare prices based on a specific location, rather than using 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.

More Rate Information

The chart below breaks down average Lincoln Navigator insurance rates for different risk profiles and scenarios.

  • The best discount rate is $659
  • Using higher $1,000 deductibles will save around $992 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,098
  • Using low $100 deductibles for physical damage coverage will cost an additional $204 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,366
  • The cost that insures a teenage driver may cost $4,346 or more

View Chart as Image

Lincoln Navigator insurance cost comparison chart
Column chart showing Lincoln Navigator insurance prices range from $659 to $4,346 for full coverage

Insurance rates for a Lincoln Navigator can also vary considerably based on the trim level of your Navigator, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can be around 41% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,300 a year. View Rates by Age

Where you live has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,570 on average in Michigan, New York, and Louisiana.

Lincoln Navigator Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $992 -$106 -9.7%
Alaska $842 -$256 -23.3%
Arizona $910 -$188 -17.1%
Arkansas $1,098 -$0 0.0%
California $1,252 $154 14.0%
Colorado $1,048 -$50 -4.6%
Connecticut $1,128 $30 2.7%
Delaware $1,242 $144 13.1%
Florida $1,376 $278 25.3%
Georgia $1,012 -$86 -7.8%
Hawaii $788 -$310 -28.2%
Idaho $742 -$356 -32.4%
Illinois $818 -$280 -25.5%
Indiana $826 -$272 -24.8%
Iowa $740 -$358 -32.6%
Kansas $1,046 -$52 -4.7%
Kentucky $1,498 $400 36.4%
Louisiana $1,624 $526 47.9%
Maine $678 -$420 -38.3%
Maryland $906 -$192 -17.5%
Massachusetts $878 -$220 -20.0%
Michigan $1,908 $810 73.8%
Minnesota $918 -$180 -16.4%
Mississippi $1,314 $216 19.7%
Missouri $974 -$124 -11.3%
Montana $1,180 $82 7.5%
Nebraska $866 -$232 -21.1%
Nevada $1,318 $220 20.0%
New Hampshire $790 -$308 -28.1%
New Jersey $1,226 $128 11.7%
New Mexico $974 -$124 -11.3%
New York $1,158 $60 5.5%
North Carolina $634 -$464 -42.3%
North Dakota $900 -$198 -18.0%
Ohio $758 -$340 -31.0%
Oklahoma $1,128 $30 2.7%
Oregon $1,006 -$92 -8.4%
Pennsylvania $1,048 -$50 -4.6%
Rhode Island $1,464 $366 33.3%
South Carolina $996 -$102 -9.3%
South Dakota $928 -$170 -15.5%
Tennessee $962 -$136 -12.4%
Texas $1,324 $226 20.6%
Utah $814 -$284 -25.9%
Vermont $752 -$346 -31.5%
Virginia $658 -$440 -40.1%
Washington $850 -$248 -22.6%
West Virginia $1,006 -$92 -8.4%
Wisconsin $760 -$338 -30.8%
Wyoming $980 -$118 -10.7%

View Chart as Image

Lincoln Navigator insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $310 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

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 $1,080 $90
Lincoln Navigator 4WD $1,098 $92
Lincoln Navigator L 2WD $1,104 $92
Lincoln Navigator L 4WD $1,104 $92

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 $260 $446 $460 $1,324
2008 Lincoln Navigator $194 $272 $474 $1,098
2007 Lincoln Navigator $188 $246 $468 $1,060
2006 Lincoln Navigator $184 $240 $460 $1,042
2005 Lincoln Navigator $182 $228 $452 $1,020
2004 Lincoln Navigator $166 $218 $446 $988
2003 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 Find Low Cost Lincoln Navigator Insurance

Saving money on auto insurance requires being safe and accident-free, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare prices once a year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a review of the data that was covered in the above illustrations.

  • You may be able to save as much as $120 per year just by quoting early and online
  • Consumers who require more liability protection will pay an extra $520 per year to increase from a minimum limit to the 250/500 level
  • Youthful drivers pay the highest rates, as much as $362 per month if full coverage is included
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,270 more each year than a low-risk driver

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 $4,346
20 $2,512
30 $1,122
40 $1,098
50 $1,006
60 $986

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,302
$250 $1,208
$500 $1,098
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,098
50/100 $1,199
100/300 $1,317
250/500 $1,625
100 CSL $1,246
300 CSL $1,507
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,004
30 $2,392
40 $2,366
50 $2,262
60 $2,238

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 $148

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $70
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $75
Total Discounts $439
Rate after discounts $659

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

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