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 insurance. Comprehensive costs on average $356, collision insurance costs $686, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, and insurance for high-risk drivers costs around $3,470. 16-year-old drivers receive the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities. The example below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why everyone should get quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $903
• Choosing higher $1,000 deductibles can save around $236 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,598
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,058
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,470
• The cost for full coverage for a teen driver for full coverage may cost $5,848 each year

View Chart as Image

Auto insurance rates for a Lincoln Navigator can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

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 $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,160 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $700 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. Lincoln Navigator insurance for high-risk drivers ranges anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

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 Cheap Lincoln Navigator Insurance

Saving money on Lincoln Navigator insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief summary of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, costing up to $487 per month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations pay an average of $1,870 more each year than a safer driver
• Increasing deductibles can save around $700 each year
• It is possible to save as much as $200 per year just 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.