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.

Average insurance prices for a Lincoln Navigator are $1,598 every 12 months with full coverage. Comprehensive insurance costs around $356 each year, collision insurance costs $686, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, and insurance for high-risk drivers costs $3,470 or more. 16-year-old drivers receive the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples demonstrate why all drivers should get quotes for a specific zip code and their own driving history, rather than using rate averages.

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

Rate Comparisons

The chart below details average Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $903
• Choosing higher $1,000 deductibles can save about $236 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,598
• Buying low deductibles for comp and collision coverage costs an extra $460 each year
• Drivers with multiple tickets or accidents could pay at least $3,470
• The cost to insure a teenage driver can be $5,848 each year

View Chart as Image

Auto insurance rates for a Lincoln Navigator can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $700 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,900 to $2,600 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 133% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lincoln Navigator insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or at least $2,160 on average in Florida, Michigan, and New York.

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 Shop for Cheap Lincoln Navigator Insurance

Saving money on auto insurance takes being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data that was covered in the above illustrations.

• You may be able to save up to $200 per year just by quoting online in advance
• Consumers who may need more liability protection will pay around $440 every year to raise limits from a minimum limit to a 250/500 level
• Youthful drivers are expensive to insure, with premiums as much as $487 per month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations pay on average $1,870 more every year than a low-risk driver

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.