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 $1,598 annually for full coverage insurance. Comprehensive costs approximately $356 a year, collision costs $686, and liability coverage is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing around $3,470. 16-year-old drivers pay the highest rates at $5,848 a year or more.

Average premium for full coverage: $1,598

Price estimates by individual coverage:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $903
• Raising to $1,000 deductibles will save $1,362 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,598
• Buying low $100 deductibles will cost $2,058
• Unlucky drivers with multiple tickets or accidents could pay around $3,470 or more
• The price with full coverage for a teenage driver can cost $5,848

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 physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $700 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per 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 $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,160 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so the 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 Cheap Lincoln Navigator Insurance

Getting lower rates on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the information covered in the charts and tables above.

• It is possible to save around $200 per year simply by quoting early and online
• Drivers age 20 and younger are expensive to insure, as much as $487 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $700 each year
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,870 more per year to buy Lincoln Navigator insurance
• Consumers who purchase increased levels of liability coverage will pay around $440 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.