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 rates for a Lincoln Navigator are $1,586 a year for full coverage. Comprehensive costs an estimated $344, collision insurance costs $668, and liability costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs around $3,452. Teen drivers pay the most at up to $5,850 a year.

Average premium for full coverage: $1,586

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different Navigator trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on price 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 other coverage scenarios.

• The lowest rate with discounts is $897
• Using higher $1,000 deductibles will save approximately $228 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,586
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $2,036
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,452
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $5,850 or more

View Chart as Image

Insurance prices for a Lincoln Navigator also have a wide range based on your driving characteristics, the trim level of your Navigator, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln Navigator insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Iowa, Maine, and Idaho, or as much as $2,260 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $680 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance can be from 44% to 134% more than average. View High Risk Driver Rates

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 Best Lincoln Navigator Insurance

Finding better rates on insurance for a Lincoln Navigator requires being a good driver, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief recap of the concepts that were covered above.

• Drivers considered higher risk who tend to receive serious violations pay an average of $1,870 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, as much as $488 per month including comprehensive and collision insurance
• Drivers can save approximately $200 per year just by shopping early and online
• Increasing policy deductibles can save around $675 each year
• Drivers can save approximately $200 per year just by shopping early and online

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.