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 $1,586 annually with full coverage. Comprehensive insurance costs on average $344 each year, collision costs $668, and liability coverage costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $3,452 or more. 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:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Navigator models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have fewer collision claims than congested cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $897
• Using higher $1,000 deductibles will save around $228 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,586
• Buying low deductibles for physical damage coverage costs an additional $450 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,452 or more
• The price with full coverage for a teenage driver may cost $5,850 or more

View Chart as Image

Insurance prices for a Lincoln Navigator are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers can be around 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $680 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or at least $2,140 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and 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 Low Cost Lincoln Navigator Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every other policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the ideas that were raised in the charts and tables above.

• Youthful drivers pay higher prices, costing up to $488 a month if they have full coverage
• Drivers who have several accidents or serious violations pay an average of $1,870 more each year than a low-risk driver
• Increasing physical damage deductibles could save up to $675 each year
• You may be able to save as much as $200 per year simply by quoting online in advance

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.