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 prices for a Lincoln Navigator are $1,586 every 12 months for full coverage. Comprehensive insurance costs on average $344, collision costs $668, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $3,452 or more. Teen drivers pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Navigator models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

The ranges above show why everyone should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Information

The chart below shows estimated Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $897
• Raising to $1,000 deductibles will save around $228 a year
• The average price for the average middle-age driver with $500 deductibles is $1,586
• Choosing pricier low deductibles costs an extra $450 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,452 or more
• The price to insure a teen driver for full coverage may cost $5,850

View Chart as Image

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

Choosing high deductibles can reduce prices by up to $680 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 additional each year, depending on your age. Lincoln Navigator insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Lincoln Navigator insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite 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 Shop for Low Cost Lincoln Navigator Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the concepts that were covered in the charts and tables above.

• Higher risk drivers who have several accidents or serious violations pay an average of $1,870 more each year for car insurance
• Teenagers pay higher prices, with premiums as much as $488 a month if full coverage is included
• Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $675 each year
• Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date

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.