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 rates for a Lincoln Navigator are $1,598 a year including full coverage. Comprehensive insurance costs an estimated $356, collision costs $686, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing $3,470 or more. Teens receive the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Rate estimates broken down by individual coverage type:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects insurance prices.

These examples highlight why everyone should compare rates for a targeted area, instead of using averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Lincoln Navigator insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $903
• Drivers who choose higher $1,000 deductibles will pay approximately $236 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,598
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $460 every year
• Higher-risk drivers with serious driving violations could pay up to $3,470 or more
• The cost that insures a teen driver for full coverage can cost as much as $5,848 a year

View Chart as Image

Insurance rates for a Lincoln Navigator can also vary considerably based on the model of your Navigator, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,900 to $2,600 additional per year, depending on your age. Lincoln Navigator insurance for high-risk drivers can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Where you live makes a big difference in Lincoln Navigator insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $700 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different.

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 Low Cost Lincoln Navigator Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a review of the information touched on in the above illustrations.

• You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
• Teens are expensive to insure, as much as $487 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $700 each year
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,870 more annually for Navigator insurance
• Policyholders who want higher liability limits will pay approximately $440 per year to go from a minimum limit 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. 

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.