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 auto insurance rates for a Lincoln Navigator are $1,598 annually including full coverage. Comprehensive insurance costs on average $356, collision insurance costs $686, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,470 or more. Teen drivers pay the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP 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

Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

The chart below breaks down average Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $903
• Choosing higher $1,000 deductibles can save around $236 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,598
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $460 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,470
• The price with full coverage for a teen driver with full coverage may cost $5,848 each year

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $700 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lincoln Navigator insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy the Best Lincoln Navigator Insurance

Getting lower rates on car insurance takes being a good driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the data touched on in the above illustrations.

• Policyholders who require an increased level of liability coverage will pay about $440 per year to raise limits from a low limit to higher 250/500 limits
• You may be able to save as much as $200 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $700 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $487 a month if full coverage is included

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.