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.

The average insurance rates for a Lincoln Navigator are $1,586 a year with full coverage. Comprehensive costs an estimated $344, collision costs $668, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing around $3,452. Teen drivers cost the most to insure at $5,850 a year or more.

Average premium for full coverage: $1,586

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Navigator trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using price averages.

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

Additional Rate Analysis

The chart below details estimated Lincoln Navigator insurance rates for other coverage scenarios.

• The lowest rate with discounts is $897
• Raising to $1,000 deductibles will save approximately $228 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,586
• Choosing more expensive low deductibles bumps up the cost to $2,036
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,452 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $5,850

View Chart as Image

Insurance rates for a Lincoln Navigator also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Your home state also has a big influence on Lincoln Navigator insurance prices. A middle-age driver might find rates as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,140 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $680 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 Cheapest Lincoln Navigator Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Shop around once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The items below are a recap of the data that was touched on in this article.

• You may be able to save approximately $200 per year simply by shopping early and online
• Policyholders who want more liability coverage will pay about $460 every year to raise from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, as much as $488 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,870 more annually to insure their Navigator

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.