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 rates for a Lincoln Navigator are $1,586 a year including full coverage. Comprehensive costs around $344, collision costs $668, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage 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 for individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. 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 the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why everyone should compare rates quotes for a specific zip code, instead of using price averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $897
• Raising to $1,000 deductibles will save about $228 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,586
• Choosing pricier low deductibles bumps up the cost to $2,036
• At-risk drivers with multiple violations and an at-fault accident could pay at least $3,452 or more
• The price that insures a teen driver for full coverage can be $5,850

View Chart as Image

Auto insurance prices for a Lincoln Navigator are also quite variable based on the model of your Navigator, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,900 to $2,600 in extra premium 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

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,800 a year. View Rates by Age

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 $1,220 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,260 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted 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 Find Cheap Lincoln Navigator Insurance

Getting lower rates on car insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and maximizing policy discounts. Shop around at least every other year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,870 more every year than a low-risk driver
• You may be able to save up to $200 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $675 each year
• Policyholders who may need more liability protection will pay about $460 per year to raise from a low 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.