Lincoln Navigator Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2023

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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.

Estimated insurance rates for a Lincoln Navigator are $1,098 a year with full coverage. Comprehensive costs approximately $194, collision insurance costs $272, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,366. Teenage drivers pay the most at up to $4,346 a year.

Average premium for full coverage: $1,098

Premium estimates by type of coverage:

Comprehensive $194
Collision $272
Liability $474

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Navigator models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Lincoln Navigator range from the low end price of $522 for a discount liability-only rate to the much higher price of $2,366 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,098
High Risk $2,366

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $824
Small Cities $1,153
Large Cities $1,482

These rate differences demonstrate why everyone should compare rates quotes using their specific location, instead of making a decision based 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.

Rates by State, City, and Model

The chart below details average Lincoln Navigator insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $659
  • Raising to $1,000 deductibles will save $106 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,098
  • Using pricier low deductibles bumps up the cost to $1,302
  • Drivers who are prone to accidents and violations could pay around $2,366
  • An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,346

View Chart as Image

Lincoln Navigator insurance cost comparison chart
Column chart showing Lincoln Navigator insurance rates range from $659 to $4,346 for full coverage

Auto insurance prices for a Lincoln Navigator also have a wide range based on the model of your Navigator, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. Lincoln Navigator insurance for high-risk drivers is expensive and can cost from 41% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,300 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln Navigator insurance prices. A middle-age driver might find prices as low as $790 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,490 on average in New York, Michigan, and Florida.

Lincoln Navigator Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $992 -$106 -9.7%
Alaska $842 -$256 -23.3%
Arizona $910 -$188 -17.1%
Arkansas $1,098 -$0 0.0%
California $1,252 $154 14.0%
Colorado $1,048 -$50 -4.6%
Connecticut $1,128 $30 2.7%
Delaware $1,242 $144 13.1%
Florida $1,376 $278 25.3%
Georgia $1,012 -$86 -7.8%
Hawaii $788 -$310 -28.2%
Idaho $742 -$356 -32.4%
Illinois $818 -$280 -25.5%
Indiana $826 -$272 -24.8%
Iowa $740 -$358 -32.6%
Kansas $1,046 -$52 -4.7%
Kentucky $1,498 $400 36.4%
Louisiana $1,624 $526 47.9%
Maine $678 -$420 -38.3%
Maryland $906 -$192 -17.5%
Massachusetts $878 -$220 -20.0%
Michigan $1,908 $810 73.8%
Minnesota $918 -$180 -16.4%
Mississippi $1,314 $216 19.7%
Missouri $974 -$124 -11.3%
Montana $1,180 $82 7.5%
Nebraska $866 -$232 -21.1%
Nevada $1,318 $220 20.0%
New Hampshire $790 -$308 -28.1%
New Jersey $1,226 $128 11.7%
New Mexico $974 -$124 -11.3%
New York $1,158 $60 5.5%
North Carolina $634 -$464 -42.3%
North Dakota $900 -$198 -18.0%
Ohio $758 -$340 -31.0%
Oklahoma $1,128 $30 2.7%
Oregon $1,006 -$92 -8.4%
Pennsylvania $1,048 -$50 -4.6%
Rhode Island $1,464 $366 33.3%
South Carolina $996 -$102 -9.3%
South Dakota $928 -$170 -15.5%
Tennessee $962 -$136 -12.4%
Texas $1,324 $226 20.6%
Utah $814 -$284 -25.9%
Vermont $752 -$346 -31.5%
Virginia $658 -$440 -40.1%
Washington $850 -$248 -22.6%
West Virginia $1,006 -$92 -8.4%
Wisconsin $760 -$338 -30.8%
Wyoming $980 -$118 -10.7%

View Chart as Image

Lincoln Navigator insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $310 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Lincoln Navigator Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln Navigator 2WD $1,080 $90
Lincoln Navigator 4WD $1,098 $92
Lincoln Navigator L 2WD $1,104 $92
Lincoln Navigator L 4WD $1,104 $92

Rates assume 2008 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.

Lincoln Navigator Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Lincoln Navigator $260 $446 $460 $1,324
2008 Lincoln Navigator $194 $272 $474 $1,098
2007 Lincoln Navigator $188 $246 $468 $1,060
2006 Lincoln Navigator $184 $240 $460 $1,042
2005 Lincoln Navigator $182 $228 $452 $1,020
2004 Lincoln Navigator $166 $218 $446 $988
2003 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 better rates on insurance for a Lincoln Navigator consists of avoiding accidents and violations, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The list below is a brief review of the information raised in the charts and tables above.

  • You may be able to save around $120 per year just by quoting online well ahead of the renewal date
  • Teenagers have the highest car insurance prices, possibly costing $362 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $300 each year
  • Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,270 more per year for car insurance
  • Insureds who purchase higher liability limits will pay an extra $520 every year to raise from 30/60 bodily injury limits to the 250/500 level

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.

Rates by Driver Age

Lincoln Navigator Insurance Rates by Driver Age
Driver Age Premium
16 $4,346
20 $2,512
30 $1,122
40 $1,098
50 $1,006
60 $986

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Navigator Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,302
$250 $1,208
$500 $1,098
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Navigator Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,098
50/100 $1,199
100/300 $1,317
250/500 $1,625
100 CSL $1,246
300 CSL $1,507
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Navigator Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,004
30 $2,392
40 $2,366
50 $2,262
60 $2,238

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.

SR-22 Surcharge $148

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $70
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $75
Total Discounts $439
Rate after discounts $659

Discounts are estimated and may not be available from every company or in every state.

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