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.

The average auto insurance rates for a Lincoln Navigator are $1,586 annually for full coverage insurance. Comprehensive costs around $344 a year, collision insurance costs $668, and liability coverage costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs around $3,452. Teenage drivers cost the most to insure at up to $5,850 a year.

Average premium for full coverage: $1,586

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Navigator trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Lincoln Navigator insurance rates for additional coverage choices and driver risks.

• The best discount rate is $897
• Using higher $1,000 deductibles will save about $1,358 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,586
• Using low $100 deductibles for physical damage coverage will cost $2,036
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,452
• Policy cost with full coverage for a teenage driver can be $5,850 or more

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $680 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

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 Affordable Lincoln Navigator Insurance

Finding cheaper rates on auto insurance requires being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the concepts that were covered in the above illustrations.

• Drivers with DUI or reckless driving convictions pay on average $1,870 more every year than a safer driver
• Drivers age 16 to 20 are expensive to insure, possibly costing $488 each month if full coverage is included
• It is possible to save up to $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $675 each year
• It is possible to save up to $200 per year just by quoting early and online

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.