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.

U.S. average insurance rates for a Lincoln Navigator are $1,610 a year for full coverage. Comprehensive insurance costs approximately $372 each year, collision costs $690, and liability insurance is $390. A policy with just liability insurance costs around $452 a year, with coverage for high-risk drivers costing $3,488 or more. Teen drivers pay the highest rates at $5,852 a year or more.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Navigator models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why all drivers should compare rates quotes using their specific location, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Lincoln Navigator insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $913
• Raising to $1,000 deductibles will save $242 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,610
• Choosing low deductibles will cost an additional $470 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,488 or more
• The price that insures a teen driver can cost $5,852

View Chart as Image

Insurance prices for a Lincoln Navigator are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age

The state you live in also has a big influence on Lincoln Navigator insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $720 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite 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 Find the Right Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a quick rundown of the primary concepts that were covered in the above illustrations.

• Drivers can save around $200 per year simply by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,880 more per year than a low-risk driver
• Increasing physical damage deductibles can save approximately $700 each year
• Youthful drivers are expensive to insure, with premiums as much as $488 a month if full coverage is included

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.