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 auto insurance rates for a Lincoln Navigator are $1,586 annually including full coverage. Comprehensive costs around $344 a year, collision insurance costs $668, and liability insurance costs around $416. A policy with just liability insurance costs as low as $474 a year, and coverage for high-risk drivers costs around $3,452. Teens pay the highest rates at up to $5,850 a year.

Average premium for full coverage: $1,586

Price estimates for individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

The ranges above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $897
• Using higher $1,000 deductibles will save about $1,358 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,586
• Selecting low $100 deductibles for physical damage coverage will cost $2,036
• Drivers with serious driving violations could pay at least $3,452
• The price with full coverage for a teen driver can be $5,850 or more

View Chart as Image

Insurance prices for a Lincoln Navigator are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $680 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,260 on average in Michigan, New York, and Louisiana.

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 Buy More Affordable Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance requires being a low-risk driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the concepts that were covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,870 more every year to insure their Navigator
• Teen drivers pay higher prices, possibly costing $488 a month including comprehensive and collision insurance
• You may be able to save up to $200 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $675 each year
• You may be able to save up to $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.