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2009 Lincoln Navigator L Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 5, 2020

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Average insurance rates for a 2009 Lincoln Navigator L are $1,228 a year with full coverage. Comprehensive insurance costs on average $234, collision costs $362, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,652 or more. Teen drivers receive the highest rates at $4,756 a year or more.

Annual premium for full coverage: $1,228

Rate estimates for 2009 Lincoln Navigator L Insurance

Comprehensive $234
Collision $362
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Lincoln Navigator L models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for only liability insurance to a much higher rate of $2,652 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,228
High Risk $2,652

View Chart as Image

2009 Lincoln Navigator L insurance rates compared
Column chart showing 2009 Lincoln Navigator L insurance prices range from $723 to $4,756 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2009 Lincoln Navigator L Insurance

Searching Companies

Want better auto insurance rates for your Lincoln Navigator L? Trying to find better insurance prices for a new or used Lincoln Navigator L can turn out to be a lot of work, but you can use these tips to save time. There is a better way to compare auto insurance rates and you need to know the proper way to get price quotes for a Lincoln and locate the lowest price from local insurance agents and online providers.

Buying car insurance is quite easy. If you have a current car insurance policy or need a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Drivers just need to learn the tricks to find the lowest price over the internet.

You probably qualify for some discounts

Companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount available, you are throwing money away.

  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums on Navigator L coverage.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Navigator L coverage with certain companies.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.

Keep in mind that some of the credits will not apply the whole policy. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies with the best auto insurance discounts, follow this link.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Should I have a commercial auto policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How can I get my company to pay me more for my totalled car?
  • How much can I save by bundling my policies?
  • When should I remove comp and collision on my 2009 Lincoln Navigator L?
  • How much liability coverage do I need in my state?

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If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Save $397 a year? Really?

Drivers can’t ignore all the ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim about savings after switching your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. For example, a driver they prefer might be profiled as between 30 and 50, owns a home, and has excellent credit. A customer who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside the requirements will have to pay more money and ends up with business not being written. The ads state “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently make the claims of big savings. Because of the profiling, you need to get quotes from several different companies. It’s not possible to predict which insurance companies will fit your personal profile best.

The coverage is in the details

Having a good grasp of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance will pay to fix damage to your Navigator L resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, colliding with a tree, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, medical services and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for hospital visits, funeral costs, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Lincoln Navigator L.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Smart shoppers get results

Throughout this article, we presented some good ideas how to compare 2009 Lincoln Navigator L insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier.

Budget-conscious insurance is available on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, policy cancellation or even being labeled a high risk driver. Whatever your reason, finding a new car insurance company can be easier than you think.

For more information, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Lincoln Navigator L Insurance Rates by City
City Premium
New York City, NY $1,944
Los Angeles, CA $2,100
Philadelphia, PA $1,644
Jacksonville, FL $1,784
Phoenix, AZ $1,425
Chicago, IL $1,645
Houston, TX $1,924
Seattle, WA $1,200
Columbus, OH $1,026
Indianapolis, IN $1,044

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Lincoln Navigator L Insurance Rates by Driver Age
Driver Age Premium
16 $4,756
20 $2,814
30 $1,266
40 $1,228
50 $1,124
60 $1,100

Full coverage, $500 deductibles

Rates by Deductible

2009 Lincoln Navigator L Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,490
$250 $1,370
$500 $1,228
$1,000 $1,092

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator L Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,228
50/100 $1,323
100/300 $1,441
250/500 $1,749
100 CSL $1,370
300 CSL $1,631
500 CSL $1,821

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Lincoln Navigator L Insurance Rates for High Risk Drivers
Age Premium
16 $6,746
20 $4,488
30 $2,692
40 $2,652
50 $2,532
60 $2,508

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $79
Paid in Full/EFT $50
Advance Quote $57
Online Quote $86
Total Discounts $505
Rate after discounts $723

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2009 Lincoln Navigator L Insurance Rates by State
State Premium
Alabama $1,112
Alaska $942
Arizona $1,018
Arkansas $1,228
California $1,400
Colorado $1,174
Connecticut $1,264
Delaware $1,392
Florida $1,538
Georgia $1,132
Hawaii $882
Idaho $832
Illinois $914
Indiana $924
Iowa $828
Kansas $1,168
Kentucky $1,676
Louisiana $1,818
Maine $758
Maryland $1,012
Massachusetts $984
Michigan $2,134
Minnesota $1,028
Mississippi $1,472
Missouri $1,090
Montana $1,320
Nebraska $968
Nevada $1,474
New Hampshire $884
New Jersey $1,372
New Mexico $1,088
New York $1,296
North Carolina $708
North Dakota $1,006
Ohio $848
Oklahoma $1,262
Oregon $1,126
Pennsylvania $1,174
Rhode Island $1,638
South Carolina $1,112
South Dakota $1,038
Tennessee $1,076
Texas $1,480
Utah $910
Vermont $842
Virginia $736
Washington $952
West Virginia $1,126
Wisconsin $850
Wyoming $1,096

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