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.

Estimated insurance prices for a Lincoln Navigator are $1,598 every 12 months for full coverage. Comprehensive costs an estimated $356, collision costs $686, and liability coverage is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing around $3,470. Teenage drivers pay the most at $5,848 a year or more.

Average premium for full coverage: $1,598

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Navigator models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

These rate differences show why everyone should get quotes for a targeted area and their own driving history, rather than using average rates.

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

More Rate Information

The chart below shows estimated Lincoln Navigator insurance rates for other coverage scenarios.

• The best discount rate is $903
• Choosing higher $1,000 deductibles can save approximately $236 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,598
• Using pricier low deductibles for comp and collision coverage increases the price to $2,058
• Drivers who are prone to accidents and violations could pay up to $3,470 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,848 each year

View Chart as Image

Auto insurance prices for a Lincoln Navigator also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $700 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,900 to $2,600 in extra premium annually, depending on your age. Lincoln Navigator insurance for high-risk drivers ranges around 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to 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 Iowa, Maine, and Idaho, or be forced to pay as much as $2,280 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

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 Cheaper Lincoln Navigator Insurance

Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

The items below are a condensed summary of the ideas that were covered in the charts and tables above.

• Teen drivers are the costliest to insure, as much as $487 per month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents pay on average $1,870 more annually to insure their Navigator
• Increasing policy deductibles could save as much as $700 each year
• Drivers can save approximately $200 per year simply 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.