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.

Estimated auto insurance rates for a Lincoln Navigator are $1,060 annually for full coverage insurance. Comprehensive costs around $188 each year, collision insurance costs $246, and liability is $468. Liability-only coverage costs around $518 a year, and high-risk coverage costs around $2,276. Teenage drivers pay the most at up to $4,210 a year.

Average premium for full coverage: $1,060

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Navigator models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

These rate differences illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $640
• Raising to $1,000 deductibles will save about $100 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,060
• Using low deductibles will cost $1,244
• Drivers who are prone to accidents and violations could pay at least $2,276
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,210

View Chart as Image

Insurance prices for a Lincoln Navigator also have a wide range based on the model of your Navigator, your risk profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage 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, where even without any violations or accidents they can expect to pay as much as $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $290 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $421 more per year. View Rates by Deductible or Liability Limit

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 $700 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,430 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheaper Lincoln Navigator Insurance

Finding better rates on insurance for a Lincoln Navigator consists of having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from several local insurance agents.

The following items are a condensed summary of the information touched on in the above illustrations.

• It is possible to save up to $120 per year just by quoting online in advance
• 16 to 18-year-old drivers pay higher prices, with premiums being up to $351 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $275 each year
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,220 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay an extra $520 annually to raise from 30/60 bodily injury limits to higher 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.