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 for full coverage. Comprehensive costs around $356, collision insurance costs $686, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance 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 for individual coverage type:

Prices are based on $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why everyone should compare rates for a specific zip code and their own driving history, rather than relying on rate averages.

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

More Rate Details

The chart below shows average Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $903
• Drivers who choose higher $1,000 deductibles will pay about $236 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,598
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $2,058
• High risk drivers with multiple tickets or accidents could pay at least $3,470
• The cost to insure a teen driver for full coverage can be $5,848 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $700 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra per year, depending on your age. Lincoln Navigator insurance for high-risk drivers can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Lincoln Navigator insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,280 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Affordable Lincoln Navigator Insurance

Saving money on Lincoln Navigator insurance not only requires having a good driving record, but also having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the material that was covered above.

• Drivers who may need increased levels of liability coverage will pay around $440 each year to go from a minimum limit to a 250/500 level
• Drivers age 20 and younger pay higher rates, costing as high as $487 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,870 more every year to buy Lincoln Navigator insurance
• Increasing deductibles could save as much as $700 each year

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.