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 prices for a Lincoln Navigator are $1,586 every 12 months for full coverage. Comprehensive costs an estimated $344 a year, collision insurance costs $668, and liability coverage is estimated at $416. Liability-only insurance costs approximately $474 a year, and high-risk driver insurance costs around $3,452. Teens pay the highest rates at up to $5,850 a year.

Average premium for full coverage: $1,586

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

The ranges above show why it is important to get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below shows average Lincoln Navigator insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $897
• Choosing higher $1,000 deductibles can save approximately $1,358 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,586
• Selecting low $100 deductibles for comp and collision coverage increases the price to $2,036
• Drivers with serious driving violations could pay up to $3,452
• The price to insure a teenage driver can cost as much as $5,850 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $680 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than the average policy. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or have to pay at least $2,260 on average in New York, Louisiana, and Michigan.

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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 Shop for the Best Cheap Lincoln Navigator Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick review of the data that was illustrated above.

• Drivers can save approximately $200 per year just by quoting early and online
• Consumers who want higher levels of liability will pay approximately $460 each year to raise limits from a low limit to a 250/500 level
• Teenage drivers have the highest car insurance prices, with premiums as much as $488 a month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation pay on average $1,870 more annually for auto insurance

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.