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 with full coverage. Comprehensive costs around $344 each year, collision costs $668, and liability costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $3,452. 16-year-old drivers pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates for individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Navigator models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $897
• Drivers who choose higher $1,000 deductibles will pay about $228 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,586
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $2,036
• Drivers with multiple tickets or accidents could pay at least $3,452 or more
• The price for full coverage for a 16-year-old driver can be $5,850 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

The state you live in makes a big difference in Lincoln Navigator insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or at least $2,140 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $680 annually, whereas increasing liability limits will increase prices. Moving 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 may be forking out at least $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, 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 the Best Cheap Lincoln Navigator Insurance

Getting lower rates on insurance for a Lincoln Navigator not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a quick review of the car insurance concepts touched on in this article.

• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,870 more every year for auto insurance
• You may be able to save up to $200 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $675 each year
• Insureds who may need higher levels of liability will pay around $460 every year to go from a low limit to 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.