Lincoln Navigator Insurance Rates
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UPDATED: Apr 17, 2024
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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 $1,610 a year for 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. Teenage drivers cost the most to insure at up to $5,852 a year.
Average premium for full coverage: $1,610
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Navigator models.
Price Range Variability
For a 40-year-old driver, Lincoln Navigator insurance rates range from the low end price of $452 for just the minimum liability insurance to a high rate of $3,488 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.
The examples above show why all drivers should get quotes using their specific location, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows average Lincoln Navigator insurance rates for additional coverage and risk scenarios.
- The best discount rate is $913
- Choosing higher $1,000 deductibles can save $242 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,610
- Using low deductibles for comp and collision coverage bumps up the cost to $2,080
- High-risk insureds who are prone to accidents and violations could pay around $3,488
- Policy cost that insures a teen driver can cost $5,852 each year
Insurance rates for a Lincoln Navigator also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,300 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,456 | -$154 | -9.6% |
Alaska | $1,236 | -$374 | -23.2% |
Arizona | $1,338 | -$272 | -16.9% |
Arkansas | $1,610 | -$0 | 0.0% |
California | $1,836 | $226 | 14.0% |
Colorado | $1,540 | -$70 | -4.3% |
Connecticut | $1,656 | $46 | 2.9% |
Delaware | $1,824 | $214 | 13.3% |
Florida | $2,016 | $406 | 25.2% |
Georgia | $1,488 | -$122 | -7.6% |
Hawaii | $1,158 | -$452 | -28.1% |
Idaho | $1,090 | -$520 | -32.3% |
Illinois | $1,200 | -$410 | -25.5% |
Indiana | $1,212 | -$398 | -24.7% |
Iowa | $1,088 | -$522 | -32.4% |
Kansas | $1,532 | -$78 | -4.8% |
Kentucky | $2,198 | $588 | 36.5% |
Louisiana | $2,384 | $774 | 48.1% |
Maine | $994 | -$616 | -38.3% |
Maryland | $1,328 | -$282 | -17.5% |
Massachusetts | $1,290 | -$320 | -19.9% |
Michigan | $2,800 | $1,190 | 73.9% |
Minnesota | $1,348 | -$262 | -16.3% |
Mississippi | $1,930 | $320 | 19.9% |
Missouri | $1,430 | -$180 | -11.2% |
Montana | $1,730 | $120 | 7.5% |
Nebraska | $1,272 | -$338 | -21.0% |
Nevada | $1,932 | $322 | 20.0% |
New Hampshire | $1,160 | -$450 | -28.0% |
New Jersey | $1,802 | $192 | 11.9% |
New Mexico | $1,428 | -$182 | -11.3% |
New York | $1,698 | $88 | 5.5% |
North Carolina | $928 | -$682 | -42.4% |
North Dakota | $1,320 | -$290 | -18.0% |
Ohio | $1,112 | -$498 | -30.9% |
Oklahoma | $1,654 | $44 | 2.7% |
Oregon | $1,474 | -$136 | -8.4% |
Pennsylvania | $1,536 | -$74 | -4.6% |
Rhode Island | $2,150 | $540 | 33.5% |
South Carolina | $1,460 | -$150 | -9.3% |
South Dakota | $1,358 | -$252 | -15.7% |
Tennessee | $1,412 | -$198 | -12.3% |
Texas | $1,942 | $332 | 20.6% |
Utah | $1,194 | -$416 | -25.8% |
Vermont | $1,102 | -$508 | -31.6% |
Virginia | $964 | -$646 | -40.1% |
Washington | $1,246 | -$364 | -22.6% |
West Virginia | $1,478 | -$132 | -8.2% |
Wisconsin | $1,116 | -$494 | -30.7% |
Wyoming | $1,438 | -$172 | -10.7% |
Using high physical damage deductibles can save as much as $720 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Lincoln Navigator 2WD | $1,566 | $131 |
Lincoln Navigator 4WD | $1,610 | $134 |
Lincoln Navigator L 2WD | $1,622 | $135 |
Lincoln Navigator L 4WD | $1,622 | $135 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Lincoln Navigator | $390 | $718 | $372 | $1,638 |
2023 Lincoln Navigator | $372 | $690 | $390 | $1,610 |
2022 Lincoln Navigator | $356 | $686 | $398 | $1,598 |
2021 Lincoln Navigator | $344 | $668 | $416 | $1,586 |
2020 Lincoln Navigator | $332 | $640 | $430 | $1,560 |
2019 Lincoln Navigator | $314 | $618 | $442 | $1,532 |
2018 Lincoln Navigator | $302 | $574 | $452 | $1,486 |
2017 Lincoln Navigator | $290 | $540 | $456 | $1,444 |
2016 Lincoln Navigator | $278 | $484 | $460 | $1,380 |
2014 Lincoln Navigator | $250 | $418 | $464 | $1,290 |
2008 Lincoln Navigator | $188 | $246 | $468 | $1,060 |
2007 Lincoln Navigator | $184 | $240 | $460 | $1,042 |
2006 Lincoln Navigator | $182 | $228 | $452 | $1,020 |
2005 Lincoln Navigator | $166 | $218 | $446 | $988 |
2004 Lincoln Navigator | $160 | $206 | $442 | $966 |
Rates are averaged for all Lincoln Navigator models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Lincoln Navigator Insurance
Finding cheaper rates on Lincoln Navigator insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at least once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.
The list below is a brief review of the primary concepts that were illustrated above.
- Drivers can save around $200 per year just by quoting online in advance
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,880 more per year for car insurance
- Increasing comprehensive and collision deductibles can save approximately $700 each year
- Teenagers are the costliest to insure, costing up to $488 each month if comprehensive and collision insurance 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,852 |
20 | $3,718 |
30 | $1,690 |
40 | $1,610 |
50 | $1,468 |
60 | $1,440 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,080 |
$250 | $1,862 |
$500 | $1,610 |
$1,000 | $1,368 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,610 |
50/100 | $1,700 |
100/300 | $1,798 |
250/500 | $2,051 |
100 CSL | $1,739 |
300 CSL | $1,954 |
500 CSL | $2,110 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,386 |
20 | $5,916 |
30 | $3,578 |
40 | $3,488 |
50 | $3,326 |
60 | $3,298 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $87 |
Multi-vehicle | $83 |
Homeowner | $22 |
5-yr Accident Free | $124 |
5-yr Claim Free | $105 |
Paid in Full/EFT | $78 |
Advance Quote | $82 |
Online Quote | $116 |
Total Discounts | $697 |
Discounts are estimated and may not be available from every company or in every state.
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