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.

Average insurance rates for a Lincoln Navigator are $1,586 a year for full coverage. Comprehensive insurance costs around $344, collision costs $668, and liability costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $3,452 or more. Teen drivers receive the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Rate estimates for individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas.

The example below illustrates how where you live affects auto insurance rates.

These examples show why everyone should compare prices for a specific zip code, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $897
• Using higher $1,000 deductibles will save about $228 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,586
• Choosing pricier low deductibles for physical damage coverage will cost an additional $450 every year
• Drivers with multiple violations and an at-fault accident could pay at least $3,452 or more
• The cost that insures a teen driver for full coverage can be $5,850 or more

View Chart as Image

Insurance rates for a Lincoln Navigator can also vary considerably based on the model of your Navigator, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,600 extra per year, depending on your age. Lincoln Navigator insurance for high-risk drivers can be as much as 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,800 a year. View Rates by Age

Where you live has a huge impact on Lincoln Navigator insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $680 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly 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 Affordable Lincoln Navigator Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Shop around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers pay higher rates, costing as high as $488 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,870 more every year than a driver with a clean driving record
• Increasing deductibles can save approximately $675 each year
• Drivers can save up to $200 per year simply by quoting online well ahead of the renewal date

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.