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 auto insurance rates for a Lincoln Navigator are $1,598 annually for full coverage. Comprehensive costs an estimated $356, collision costs $686, and liability costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $3,470. Teenage drivers cost the most to insure at $5,848 a year or more.

Average premium for full coverage: $1,598

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Navigator trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $903
• Using higher $1,000 deductibles will save approximately $236 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,598
• Using more expensive low deductibles for physical damage coverage will cost $2,058
• Drivers who are prone to accidents and violations could pay up to $3,470 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,848 or more

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $700 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln Navigator insurance prices. A driver around age 40 might see rates 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

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Affordable Lincoln Navigator Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the coverage data touched on above.

• Drivers can save approximately $200 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Youthful drivers are expensive to insure, costing up to $487 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,870 more annually than a low-risk driver

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.