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 auto insurance rates for a Lincoln Navigator are $1,598 annually for full coverage insurance. Comprehensive insurance costs around $356, collision insurance costs $686, and liability insurance costs around $398. A liability-only policy costs as low as $460 a year, and high-risk insurance costs $3,470 or more. Teen drivers pay the most at up to $5,848 a year.

Average premium for full coverage: $1,598

Premium estimates for type of coverage:

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Navigator trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

The chart below illustrates average Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $903
• Using higher $1,000 deductibles will save about $236 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,598
• Choosing more expensive low deductibles for physical damage coverage costs an additional $460 a year
• Drivers with multiple violations and an at-fault accident could pay at least $3,470
• An auto insurance policy with full coverage for a teen driver with full coverage can be $5,848 or more

View Chart as Image

Auto insurance prices for a Lincoln Navigator also have a wide range based on the model of your Navigator, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,900 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $700 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,160 on average in Michigan, New York, and Florida.

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 Buy More Affordable Lincoln Navigator Insurance

Finding better rates on Lincoln Navigator insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The next list is a summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers who have multiple accidents or major violations pay on average $1,870 more every year to buy Lincoln Navigator insurance
• It is possible to save up to $200 per year just by shopping early and online
• Increasing policy deductibles could save up to $700 each year
• Drivers who may need increased levels of liability coverage will pay about $440 annually to increase from 30/60 bodily injury limits to higher 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.