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 insurance. Comprehensive insurance costs on average $344 each year, collision insurance costs $668, and liability insurance is $416. A policy with only liability insurance costs around $474 a year, and a high-risk policy costs $3,452 or more. Teenage drivers pay the most at up to $5,850 a year.

Average premium for full coverage: $1,586

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Navigator models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $897
• Raising to $1,000 deductibles will save around $228 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,586
• Using low deductibles will cost an extra $450 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,452
• An auto insurance policy for full coverage for a teen driver may cost $5,850

View Chart as Image

Car insurance prices for a Lincoln Navigator also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln Navigator insurance rates. A middle-age driver might find prices as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $680 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than a normal policy. 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 Cheaper Lincoln Navigator Insurance

Finding better rates on Lincoln Navigator insurance consists of avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a condensed summary of the data covered in the charts and tables above.

• Drivers who require increased liability limits will pay an extra $460 annually to raise from 30/60 bodily injury limits to 250/500 limits
• It is possible to save as much as $200 per year just by quoting online in advance
• Increasing policy deductibles can save around $675 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $488 per month if full coverage is included

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.