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.

The average auto insurance rates for a Lincoln Navigator are $1,598 annually for full coverage insurance. Comprehensive insurance costs around $356, collision insurance costs $686, and liability coverage is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs $3,470 or more. Teens cost the most to insure at up to $5,848 a year.

Average premium for full coverage: $1,598

Policy rates for type of insurance:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Navigator models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $903
• Raising to $1,000 deductibles will save about $236 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,598
• Selecting pricier low deductibles costs an additional $460 each year
• Unlucky drivers with serious driving violations could pay at least $3,470
• Policy cost with full coverage for a teenage driver for full coverage can be $5,848

View Chart as Image

Auto insurance rates for a Lincoln Navigator also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,900 to $2,600 in extra premium every year, depending on your age. Lincoln Navigator insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $700 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lincoln Navigator insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,160 on average in Michigan, New York, and Florida.

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 Cheap Lincoln Navigator Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having above-average credit, being claim-free, and possibly raising deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the information covered in the charts and tables above.

• It is possible to save up to $200 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are expensive to insure, possibly costing $487 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Drivers that tend to have accidents or serious violations pay on average $1,870 more every year to buy Lincoln Navigator insurance
• Consumers who may need increased levels of liability coverage will pay approximately $440 annually to raise from a 30/60 limit 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.