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 $1,610 a year including full coverage. Comprehensive costs approximately $372 each year, collision insurance costs $690, and liability insurance is estimated at $390. Liability-only coverage costs approximately $452 a year, and high-risk coverage costs around $3,488. 16-year-old drivers pay the highest rates at up to $5,852 a year.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Navigator models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location and risk profile, rather than relying on rate 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 additional coverage and risk scenarios.

• The best full coverage rate is $913
• Choosing higher $1,000 deductibles can save $242 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,610
• Buying low deductibles for comp and collision coverage will increase the cost to $2,080
• High-risk insureds with multiple tickets or accidents could pay around $3,488
• The price for full coverage for a teen driver can cost $5,852 each year

View Chart as Image

Auto insurance prices for a Lincoln Navigator are also quite variable based on your driving record, the model of your Navigator, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $720 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

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 Cheaper Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance takes having a good driving record, having good credit, being claim-free, and possibly higher deductibles. Invest the time to shop around at least every other year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a condensed summary of the car insurance concepts illustrated above.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,880 more per year to buy Lincoln Navigator insurance
• You may be able to save around $200 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $700 each year
• Drivers who purchase increased levels of liability coverage will pay around $430 per year to raise limits from a low limit to 250/500 limits

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.