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 with full coverage. Comprehensive costs around $356, collision costs $686, and liability coverage is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance 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 for individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than using rate averages.

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

More Rate Details

The chart below details estimated Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $903
• Choosing higher $1,000 deductibles can save about $236 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,598
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $2,058
• Drivers with multiple tickets or accidents could pay at least $3,470 or more
• The price that insures a teenage driver with full coverage can be $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 habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $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 $1,150 a year in states like New Hampshire, Ohio, and Utah, or at least $2,160 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $700 a year, while increasing your policy's liability limits will increase prices. Moving 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

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes 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 Low Cost Lincoln Navigator Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every other policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a review of the ideas that were raised in the charts and tables above.

• Youthful drivers are the costliest to insure, costing up to $487 a month if full coverage is purchased
• Drivers who have several accidents or serious violations may pay on average $1,870 more every year than a low-risk driver
• Increasing physical damage deductibles can save approximately $700 each year
• You may be able to save up to $200 per year simply by shopping early and online

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.