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.

Estimated insurance prices for a Lincoln Navigator are $1,598 every 12 months with full coverage. Comprehensive costs an estimated $356, collision insurance costs $686, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, and high-risk insurance costs around $3,470. 16-year-old drivers pay the most at up to $5,848 a year.

Average premium for full coverage: $1,598

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Navigator models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

The chart below details average Lincoln Navigator insurance rates for other coverage scenarios.

• The best full coverage rate is $903
• Using higher $1,000 deductibles will save approximately $236 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,598
• Buying pricier low deductibles for physical damage coverage increases the price to $2,058
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,470
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,848 or more

View Chart as Image

Auto insurance prices for a Lincoln Navigator also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $700 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,900 to $2,600 in extra premium annually, depending on your age. Lincoln Navigator insurance for high-risk drivers can be around 44% to 133% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Lincoln Navigator insurance rates. A driver around age 40 might see prices as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or at least $2,160 on average in New York, Michigan, 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 Shop for Cheaper Lincoln Navigator Insurance

Finding better rates on auto insurance requires being a good driver, having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at least once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $200 per year just by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents may pay on average $1,870 more annually than a safer driver
• Increasing policy deductibles could save as much as $700 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $487 per month if comprehensive and collision insurance is included

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.