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 rates for a Lincoln Navigator are $1,586 a year for full coverage. Comprehensive costs an estimated $344, collision insurance costs $668, and liability insurance costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs around $3,452. Teen drivers cost the most to insure at up to $5,850 a year.

Average premium for full coverage: $1,586

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Navigator models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

The examples above show why everyone should compare rates for a targeted area, rather than relying on price averages.

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

Additional Rate Details

The chart below shows average Lincoln Navigator insurance rates for other coverage scenarios.

• The lowest rate with discounts is $897
• Drivers who choose higher $1,000 deductibles will pay approximately $228 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,586
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,036
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,452
• Policy cost that insures a teen driver for full coverage can cost as much as $5,850 a year

View Chart as Image

Insurance rates for a Lincoln Navigator also range considerably based on the model of your Navigator, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,900 to $2,600 extra every year, depending on your age. Lincoln Navigator insurance for high-risk drivers can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,800 a year. View Rates by Age

Your home state makes a big difference in Lincoln Navigator insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Iowa, Maine, and Idaho, or as much as $2,260 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $680 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

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 Affordable Lincoln Navigator Insurance

Finding cheaper rates on Lincoln Navigator insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief review of the information presented in the illustrations above.

• Drivers can save approximately $200 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are charged the highest rates, costing up to $488 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $675 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,870 more annually to buy Lincoln Navigator insurance
• Drivers who want increased levels of liability coverage will pay about $460 each year to go from a 30/60 limit to the 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.