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 $1,586 every 12 months for full coverage. Comprehensive insurance costs on average $344 each year, collision costs $668, and liability costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $3,452 or more. Teen drivers cost the most to insure at $5,850 a year or more.

Average premium for full coverage: $1,586

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Navigator models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below shows estimated Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $897
• Using higher $1,000 deductibles will save around $228 a year
• The average price for a good driver age 40 with $500 deductibles is $1,586
• Choosing low deductibles for physical damage coverage costs an extra $450 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,452 or more
• Policy cost to insure a 16-year-old driver may cost $5,850 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $680 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $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 could be paying at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 134% more than average. View High Risk Driver Rates

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 Idaho, Maine, and Iowa, or as much as $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied.

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 Cheap Lincoln Navigator Insurance

Finding cheaper rates on insurance for a Lincoln Navigator requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around at least once a year by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The list below is a brief summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $200 per year simply by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,870 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $675 each year
• Teenagers pay the highest rates, costing up to $488 each month if they have full coverage

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.