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 including full coverage. Comprehensive costs an estimated $356 each year, collision costs $686, and liability coverage costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $3,470. 16-year-old drivers pay the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Navigator models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area, rather than using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Lincoln Navigator insurance rates for other coverage scenarios.

• The best full coverage rate is $903
• Using higher $1,000 deductibles will save approximately $236 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,598
• Buying low deductibles for physical damage coverage bumps up the cost to $2,058
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,470 or more
• The price that insures a teenage driver can cost as much as $5,848 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying $1,900 to $2,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $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 $1,230 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $700 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.

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 auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the data that was illustrated above.

• You may be able to save approximately $200 per year simply by quoting online in advance
• Consumers who want more liability protection will pay around $440 per year to increase from a low limit to the 250/500 level
• Youthful drivers are the costliest to insure, possibly costing $487 a month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions could be charged and average of $1,870 more annually than a low-risk 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.