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.

Estimated insurance rates for a Lincoln Navigator are $1,586 a year with full coverage. Comprehensive costs on average $344, collision costs $668, and liability coverage is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing around $3,452. Teenage drivers pay the most at $5,850 a year or more.

Average premium for full coverage: $1,586

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Navigator trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities.

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

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The best discount rate is $897
• Choosing higher $1,000 deductibles can save around $228 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,586
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $2,036
• Drivers who are prone to accidents and violations could pay upwards of $3,452 or more
• An auto insurance policy that insures a teenage driver with full coverage may cost $5,850 each year

View Chart as Image

Insurance prices for a Lincoln Navigator also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,140 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $680 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices will be substantially 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 More Affordable Lincoln Navigator Insurance

Finding better rates on auto insurance takes having a good driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The next list is a summary of the information raised in the charts and tables above.

• You may be able to save as much as $200 per year simply by shopping early and online
• Drivers age 20 and younger pay higher prices, possibly costing $488 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $675 each year
• Drivers who have multiple accidents or major violations pay on average $1,870 more each year to buy Lincoln Navigator insurance
• Consumers who require increased levels of liability coverage will pay an extra $460 every year to raise limits from 30/60 bodily injury limits to the 250/500 level

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.