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 for full coverage insurance. Comprehensive costs an estimated $344 each year, collision costs $668, and liability insurance is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $3,452. Teen drivers pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Navigator models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas.

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

The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $897
• Raising to $1,000 deductibles will save approximately $228 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,586
• Choosing low deductibles will cost $2,036
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,452 or more
• The price with full coverage for a teen driver can cost as much as $5,850

View Chart as Image

Insurance prices for a Lincoln Navigator are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $680 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lincoln Navigator insurance rates. A middle-age driver might find prices as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,140 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices may be quite different between companies.

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 the Best Lincoln Navigator Insurance

Getting lower rates on Lincoln Navigator insurance consists of being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief recap of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who tend to receive serious violations may pay on average $1,870 more annually than a safer driver
• It is possible to save approximately $200 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $675 each year
• Drivers who want an increased level of liability coverage will pay about $460 annually to raise from a low 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.