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 $1,598 every 12 months including full coverage. Comprehensive costs on average $356, collision insurance costs $686, and liability costs around $398. Liability-only coverage costs as low as $460 a year, and high-risk coverage costs around $3,470. Teen drivers cost the most to insure at up to $5,848 a year.

Average premium for full coverage: $1,598

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 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 comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.

The examples above highlight why everyone 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.

Detailed Rate Analysis

The chart below breaks down average Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $903
• Using higher $1,000 deductibles will save around $236 every year
• The average price for a good driver age 40 with $500 deductibles is $1,598
• Choosing pricier low deductibles for physical damage coverage increases the price to $2,058
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,470
• Policy cost to insure a 16-year-old driver for full coverage may cost $5,848 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $700 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents 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 should be prepared 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 are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. Lincoln Navigator insurance for high-risk drivers can be from 44% to 133% 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 $1,230 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 the Cheapest Lincoln Navigator Insurance

Finding cheaper rates on insurance for a Lincoln Navigator requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a recap of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,870 more each year to insure their Navigator
• You may be able to save as much as $200 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Insureds who require more liability coverage will pay about $440 per year to increase from a 30/60 limit to a 250/500 level

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.