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 for full coverage. Comprehensive costs on average $344, collision costs $668, and liability costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing around $3,452. 16-year-old drivers pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates by individual coverage:

Prices are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Navigator trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using rate averages.

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

More Rate Information

The chart below shows estimated Lincoln Navigator insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $897
• Drivers who choose higher $1,000 deductibles will pay around $228 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,586
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,036
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,452 or more
• The price for full coverage for a teen driver with full coverage may cost $5,850 a year

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

The state you live in makes a big difference in Lincoln Navigator insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $680 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite 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 Affordable Lincoln Navigator Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following is a brief review of the material that was illustrated above.

• Policyholders who require higher liability limits will pay around $460 each year to go from a low limit to 250/500 limits
• Teens are charged the highest prices, with premiums as much as $488 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions will pay on average $1,870 more each year for Navigator insurance
• Increasing physical damage deductibles can save around $675 each year

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.