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.

The average insurance prices for a Lincoln Navigator are $1,598 every 12 months including full coverage. Comprehensive costs around $356, collision insurance costs $686, and liability insurance costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs around $3,470. 16-year-old drivers cost the most to insure at up to $5,848 a year.

Average premium for full coverage: $1,598

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Navigator models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.

The examples above highlight 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 Information

The chart below breaks down 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 every year
• The average price for a good driver age 40 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
• Policy 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 also range considerably based on liability limits and deductibles, your driving characteristics, 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. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,900 to $2,600 extra every 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

Your home state 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 Missouri, New Hampshire, and Vermont, or at least $2,280 on average in Michigan, New York, and Louisiana.

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

Finding cheaper rates on Lincoln Navigator insurance not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief review of the car insurance concepts illustrated above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,870 more every year for car insurance
• You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Drivers who may need higher liability limits will pay around $440 per year to go from a 30/60 limit to a 250/500 level

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.