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 $1,598 a year with full coverage. Comprehensive insurance costs on average $356 a year, collision insurance costs $686, and liability insurance costs $398. A policy with just liability insurance costs as little as $460 a year, and coverage for high-risk drivers costs $3,470 or more. 16-year-old drivers pay the highest rates at up to $5,848 a year.

Average premium for full coverage: $1,598

Price estimates by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why it is important to compare rates based on a specific location, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $903
• Drivers who choose higher $1,000 deductibles will pay around $1,362 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,598
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $460 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $3,470
• The price that insures a teen driver may cost $5,848 a year

View Chart as Image

Insurance prices for a Lincoln Navigator are also quite variable based on the trim level of your Navigator, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

The state you live in makes a big difference in Lincoln Navigator insurance rates. A 40-year-old driver 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

Opting for high physical damage deductibles could save up to $700 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

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 the Right Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop every other policy renewal by getting price quotes from direct companies, and also from several local insurance agents.

The points below are a quick rundown of the ideas that were covered above.

• Drivers under the age of 20 pay the highest prices, costing up to $487 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,870 more each year to insure a Lincoln Navigator
• Increasing physical damage deductibles can save approximately $700 each year
• You may be able to save as much as $200 per year just by quoting early and online

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.