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.

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

Average premium for full coverage: $1,586

Rate estimates broken down by individual coverage type:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Navigator models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects insurance prices.

These examples show why everyone should compare rates quotes for a targeted area and their own driving history, instead of using 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 other coverage scenarios.

• The cheapest rate after discounts is $897
• Raising to $1,000 deductibles will save approximately $228 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,586
• Selecting pricier low deductibles increases the price to $2,036
• At-risk drivers with serious driving violations could pay up to $3,452 or more
• The cost to insure a teen driver for full coverage can cost as much as $5,850

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,900 to $2,600 in extra premium per 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 the average policy. View High Risk Driver Rates

Where you live also has a big influence on Lincoln Navigator insurance prices. A middle-age driver might find rates 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

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates can be significantly 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

Saving money on car insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the information raised in the charts and tables above.

• Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date
• Teens are the costliest to insure, costing as high as $488 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $675 each year
• Higher risk drivers who have several accidents or serious violations pay on average $1,870 more annually for Navigator insurance
• Policyholders who want higher liability limits will pay approximately $460 each year to raise from a minimum limit to a 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.