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 for full coverage insurance. Comprehensive insurance costs on average $344 a year, collision costs $668, and liability coverage costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing $3,452 or more. Teens pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $897
• Drivers who choose higher $1,000 deductibles will pay around $1,358 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,586
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $450 each year
• High-risk insureds with serious driving violations could pay upwards of $3,452 or more
• The price for full coverage for a teenage driver may cost $5,850 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

The state you live in makes a big difference in Lincoln Navigator insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $680 a year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company calculates prices differently, and prices may be quite different from one company to the next.

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

Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a brief review of the coverage data touched on above.

• It is possible to save as much as $200 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $675 each year
• Drivers age 16 to 20 pay higher prices, as much as $488 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions pay an average of $1,870 more each year than a safer driver

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.