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.

Estimated insurance rates for a Lincoln Navigator are $1,586 a year for full coverage. Comprehensive insurance costs approximately $344 each year, collision costs $668, and liability insurance costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing $3,452 or more. Teens pay the most at $5,850 a year or more.

Average premium for full coverage: $1,586

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Navigator models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated Lincoln Navigator insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $897
• Using higher $1,000 deductibles will save $228 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,586
• Selecting low deductibles for physical damage coverage will cost an extra $450 a year
• Drivers with serious driving violations could pay around $3,452 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,850 or more

View Chart as Image

Insurance prices for a Lincoln Navigator also have a wide range based on your driving characteristics, the trim level of your Navigator, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,260 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $680 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different from one company to the next.

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 More Affordable Lincoln Navigator Insurance

Finding better rates on Lincoln Navigator insurance requires being a low-risk driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the coverage data touched on above.

• Drivers can save around $200 per year simply by quoting online in advance
• Increasing policy deductibles can save around $675 each year
• Teen drivers are expensive to insure, as much as $488 per month for full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,870 more per year to insure their Navigator

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.