How Much are Lincoln Navigator Insurance Rates?

The cost of Lincoln Navigator car insurance rates are $1,598 a year, or around $133 a month on average. On average, comprehensive coverage costs $389, collision coverage costs $568, and liability coverage costs $451 for Lincoln Navigator insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2020

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Key Takeaways:

  • Full coverage costs around $1,598 a year or $133 each month
  • A liability-only policy costs around $641 a year or $53 each month
  • Highest rates are for teenage drivers at around $5,841 a year or $487 each month
  • Good drivers can save as much as $659 a year by earning policy discounts
  • Lincoln Navigator insurance costs around $79 more per year than the average vehicle

Lincoln Navigator car insurance rates cost drivers an average of $1,598 a year, or around $133 per month for full coverage. If you are only interested in minimum coverage, Lincoln Navigator rates for a liability policy cost an average of $641 a year or $53 every month.

In order to assist you in your search for the best Lincoln Navigator insurance rates, use the information contained in this detailed guide. It contains accurate data and helpful tips so you can compare rates with confidence.

You can start comparing quotes for Lincoln Navigator car insurance rates from some of the best car insurance companies by using our free online tool now.

Lincoln Navigator Insurance Cost

The average Lincoln Navigator car insurance rates are $1,598 a year or $133 a month.

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Are Lincoln Navigators Expensive to Insure?

The chart below details how Lincoln Navigator insurance rates compare to other SUVs like the Acura RDX, Honda Passport, and Toyota 4Runner.

Vehicle Comprehensive Collision Liability Total
Lincoln Navigator $356 $686 $398 $1,598
Acura RDX $308 $532 $316 $1,292
Honda Passport $362 $656 $316 $1,470
Toyota 4Runner $332 $512 $332 $1,312
Mitsubishi Outlander $306 $542 $332 $1,316
Kia Telluride $376 $688 $316 $1,516
Cadillac XT5 $376 $718 $372 $1,624
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However, there are a few things you can do to find the cheapest Lincoln insurance rates online.

What Impacts the Cost of Lincoln Navigator Insurance?

The Lincoln Navigator trim and model you choose can impact the total price you will pay for Lincoln Navigator insurance coverage.

Age of the Vehicle

The average Lincoln Navigator auto insurance rates are higher for newer models. For example, auto insurance for a 2018 Lincoln Navigator costs $1,598, while 2010 Lincoln Navigator insurance costs are $1,290, a difference of $308.

Model Year Comprehensive Collision Liability Total
2018 Lincoln Navigator $356 $686 $398 $1,598
2017 Lincoln Navigator $344 $668 $416 $1,586
2016 Lincoln Navigator $332 $640 $430 $1,560
2015 Lincoln Navigator $314 $618 $442 $1,532
2014 Lincoln Navigator $302 $574 $452 $1,486
2013 Lincoln Navigator $290 $540 $456 $1,444
2012 Lincoln Navigator $278 $484 $460 $1,380
2011 Lincoln Navigator $260 $446 $460 $1,324
2010 Lincoln Navigator $250 $418 $464 $1,290
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Driver Age

Driver age can have a significant effect on the cost of Lincoln Navigator car insurance. For example, a 20-year-old driver could pay around $163 more each month for their Lincoln Navigator car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln Navigator insurance rates. For example, drivers in New York may pay $416 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Lincoln Navigator car insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln Navigator car insurance rates with violations on their driving record.

Lincoln Navigator Crash Test Ratings

Lincoln Navigator crash test ratings can impact the cost of your Lincoln Navigator car insurance. See Lincoln Navigator crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Lincoln Navigator SUV 4WD 5 stars 5 stars 5 stars 4 stars
2020 Lincoln Navigator SUV 2WD 5 stars 5 stars 5 stars 3 stars
2020 Lincoln Navigator EL SUV 4WD 5 stars 5 stars 5 stars 4 stars
2020 Lincoln Navigator EL SUV 2WD 5 stars 5 stars 5 stars 3 stars
2019 Lincoln Navigator SUV 4×4 5 stars 5 stars 5 stars 4 stars
2019 Lincoln Navigator SUV 4×2 5 stars 5 stars 5 stars 3 stars
2019 Lincoln Navigator EL Extended SUV 4×4 5 stars 5 stars 5 stars 4 stars
2019 Lincoln Navigator EL Extended SUV 4×2 5 stars 5 stars 5 stars 3 stars
2018 Lincoln Navigator SUV 4×4 5 stars 5 stars 5 stars 4 stars
2018 Lincoln Navigator SUV 4×2 5 stars 5 stars 5 stars 3 stars
2018 Lincoln Navigator EL Extended SUV 4×4 5 stars 5 stars 5 stars 4 stars
2018 Lincoln Navigator EL Extended SUV 4×2 5 stars 5 stars 5 stars 3 stars
2017 Lincoln Navigator SUV 4×4 5 stars 5 stars 5 stars 4 stars
2017 Lincoln Navigator SUV 4×2 5 stars 5 stars 5 stars 3 stars
2017 Lincoln Navigator Extended SUV 4×4 5 stars 5 stars 5 stars 4 stars
2017 Lincoln Navigator Extended SUV 4×2 5 stars 5 stars 5 stars 3 stars
2016 Lincoln Navigator SUV 4×4 5 stars 5 stars 5 stars 4 stars
2016 Lincoln Navigator SUV 4×2 5 stars 5 stars 5 stars 3 stars
2016 Lincoln Navigator Extended SUV 4×4 5 stars 5 stars 5 stars 4 stars
2016 Lincoln Navigator Extended SUV 4×2 5 stars 5 stars 5 stars 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lincoln Navigator Safety Features

The safety features of the Lincoln Navigator can impact your Lincoln Navigator car insurance rates. The Lincoln Navigator has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Adjustable Pedals
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Lincoln Navigator Insurance Loss Probability

Another contributing factor that affects Lincoln Navigator car insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision 9%
Property Damage 14%
Comprehensive -39%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Lincoln Navigator Finance and Insurance Cost

When financing a Lincoln Navigator, most lenders will require your carry higher Lincoln Navigator coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln Navigator car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Lincoln Navigator Insurance

You have more options at your disposal to save money on your Lincoln Navigator auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lincoln Navigator car insurance rates

  • Ask About Seasonal Insurance for Your Lincoln Navigator
  • Buy a Lincoln Navigator with an Anti-Theft Device
  • Get Cheaper Lincoln Navigator Car Insurance Rates as a Full-Time Parent
  • Ask About Usage-Based Insurance for Your Lincoln Navigator
  • Park Your Lincoln Navigator Somewhere Safe – like a Garage or Private Driveway

Top Lincoln Navigator Insurance Companies

The best auto insurance companies for Lincoln Navigator car insurance rates will offer competitive rates, discounts, and account for the Lincoln Navigator’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Lincoln Navigator Insurance Quotes Online

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Average Monthly Car Insurance Rates by State