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.

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

Average premium for full coverage: $1,586

Price estimates by individual coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Navigator models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The ranges above demonstrate why everyone should compare prices based on a specific location and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below details average 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 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,586
• Choosing pricier low deductibles for physical damage coverage will cost an extra $450 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,452
• The price for full coverage for a teen driver for full coverage may cost $5,850 or more

View Chart as Image

Car insurance prices for a Lincoln Navigator are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,140 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $680 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 extra each year, depending on your age. Lincoln Navigator insurance for high-risk drivers can be anywhere 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 Right Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following list is a quick rundown of the information touched on above.

• You may be able to save as much as $200 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, costing up to $488 a month if full coverage is included
• Increasing physical damage deductibles can save around $675 each year
• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,870 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay about $460 every year to increase from a low limit to 250/500 limits

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.