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 including full coverage. Comprehensive costs approximately $356, collision insurance costs $686, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs around $3,470. Teenage 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:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM 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

Your location has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates using their specific location, rather than using average rates.

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

Rate Comparisons

The chart below breaks down average Lincoln Navigator insurance rates for additional coverage and risk scenarios.

• The best discount rate is $903
• Drivers who choose higher $1,000 deductibles will pay $236 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,598
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,058
• High-risk insureds who are prone to accidents and violations could pay around $3,470
• The cost that insures a teenage driver with full coverage can cost $5,848 a year

View Chart as Image

Car insurance rates for a Lincoln Navigator can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,800 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 $1,230 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $700 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 More Affordable Lincoln Navigator Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare prices at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The points below are a summary of the concepts that were raised in the charts and tables above.

• Drivers who have multiple accidents or major violations will likely pay on average $1,870 more per year to insure a Lincoln Navigator
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $487 per month if full coverage is purchased
• You may be able to save around $200 per year just by shopping early and online
• Increasing deductibles can save approximately $700 each year
• You may be able to save around $200 per year just by shopping early and online

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.