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 $1,598 a year for full coverage insurance. Comprehensive insurance costs on average $356, collision insurance costs $686, and liability insurance is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs $3,470 or more. Teenage drivers pay the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $903
• Choosing higher $1,000 deductibles can save around $236 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,598
• Using more expensive low deductibles for comp and collision coverage will cost an additional $460 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,470
• The price that insures a teen driver with full coverage may cost $5,848 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,160 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $700 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. 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 the Right Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the material that was touched on in this article.

• Drivers who require more liability coverage will pay an extra $440 annually to raise limits from a low limit to the 250/500 level
• Teen drivers are expensive to insure, as much as $487 a month if full coverage is purchased
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,870 more each year to insure their Navigator
• Increasing physical damage deductibles can save approximately $700 each year

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.