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 including full coverage. Comprehensive costs an estimated $344, collision costs $668, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $3,452. Teenage drivers pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates broken down by individual coverage:

Estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $897
• Raising to $1,000 deductibles will save approximately $228 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,586
• Using more expensive low deductibles bumps up the cost to $2,036
• Drivers who are prone to accidents and violations could pay up to $3,452 or more
• The price that insures a 16-year-old driver with full coverage can cost as much as $5,850

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 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 pay as low as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

The state you live in also has a big influence on Lincoln Navigator insurance prices. A middle-age driver might find prices as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,260 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite 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 Low Cost Lincoln Navigator Insurance

Getting lower rates on insurance for a Lincoln Navigator consists of not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a review of the material that was presented in the illustrations above.

• Insureds who want higher liability limits will pay an extra $460 per year to raise from a low limit to the 250/500 level
• Teens are expensive to insure, possibly costing $488 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,870 more annually for Navigator insurance
• Increasing physical damage deductibles can save approximately $675 each year

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.