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 $1,586 a year including full coverage. Comprehensive insurance costs around $344, collision costs $668, and liability coverage costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $3,452 or more. Teenage drivers receive the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Navigator trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The best discount rate is $897
• Using higher $1,000 deductibles will save about $228 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,586
• Using more expensive low deductibles for physical damage coverage will cost an extra $450 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,452 or more
• The cost for full coverage for a teenage driver with full coverage can be $5,850 or more

View Chart as Image

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

An older driver with a clean driving record and high deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,800 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 $1,220 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,260 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $680 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates 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 the Best Lincoln Navigator Insurance

Saving money on auto insurance requires being a good driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates once a year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief recap of the data that was covered in the above illustrations.

• You may be able to save up to $200 per year simply by shopping early and online
• Consumers who may need an increased level of liability coverage will pay an extra $460 per year to increase from a minimum limit to 250/500 limits
• Drivers age 16 to 20 pay higher rates, as much as $488 per month for full coverage
• Drivers who tend to receive serious violations pay on average $1,870 more every year than a safer 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. 

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.