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 for full coverage insurance. Comprehensive insurance costs around $344, collision costs $668, and liability coverage costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing $3,452 or more. Teens pay the highest rates at $5,850 a year or more.

Average premium for full coverage: $1,586

Price estimates for individual coverage:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Navigator models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using averaged prices.

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 choices and driver risks.

• The cheapest rate after discounts is $897
• Drivers who choose higher $1,000 deductibles will pay about $228 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,586
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $450 each year
• High-risk insureds with serious driving violations could pay at least $3,452 or more
• The price with full coverage for a teenage driver for full coverage can be $5,850 a year

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 deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,900 to $2,600 additional each year, depending on your age. Lincoln Navigator insurance for high-risk drivers can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $680 a year, whereas buying more liability protection will increase prices. Switching 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 makes a big difference in Lincoln Navigator insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company calculates prices differently, 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 the Right Lincoln Navigator Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the coverage data covered above.

• It is possible to save up to $200 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $675 each year
• Drivers age 20 and younger are charged the highest prices, as much as $488 a month if they have full coverage
• Drivers with reckless driving or DUI convictions pay on average $1,870 more every year to buy Lincoln Navigator insurance

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.