Compare Lincoln Navigator Car Insurance Rates [2024]
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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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Dec 21, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
How can I compare car insurance rates for a Lincoln Navigator?
Comparing car insurance rates for a Lincoln Navigator can be done by following these steps:
- Collect information: Gather details about your Lincoln Navigator, including its make, model, year, and any safety features or modifications.
- Research insurance providers: Look for insurance companies that offer coverage for Lincoln Navigator vehicles.
- Obtain quotes: Reach out to different insurance providers and request quotes for insuring your Lincoln Navigator. Provide them with accurate and complete information.
- Compare coverage options: Evaluate the coverage options offered by each insurance provider. Consider factors such as liability limits, comprehensive and collision coverage, deductibles, and additional benefits.
- Assess premium costs: Compare the premium costs provided by each insurer. Keep in mind that the cheapest option may not always provide the best coverage.
- Review customer reviews and ratings: Read reviews and ratings from other Lincoln Navigator owners who have insured their vehicles with the insurance companies you are considering.
- Make an informed decision: Based on the information gathered, choose the insurance provider that offers the best coverage and premium combination for your Lincoln Navigator.
What factors can influence the car insurance rates for a Lincoln Navigator?
Several factors can influence the car insurance rates for a Lincoln Navigator. These may include:
- Vehicle model: The specific model of your Lincoln Navigator can impact the insurance rates. Newer and more expensive models may have higher rates due to higher repair or replacement costs.
- Safety features: The presence of advanced safety features in your Lincoln Navigator, such as adaptive cruise control, lane-keeping assist, or collision avoidance systems, may lead to lower insurance rates.
- Driving record: Your personal driving history, including any past accidents, traffic violations, or claims, can affect your insurance rates.
- Location: The area where you live and park your Lincoln Navigator can impact the rates. Urban areas with higher rates of theft or accidents may have higher insurance costs.
- Annual mileage: The number of miles you drive annually can influence your insurance rates. Higher mileage often correlates with a higher risk of accidents.
- Age and gender: Younger drivers, particularly teenage drivers, tend to have higher insurance rates. Additionally, statistics show that males typically have higher rates than females.
- Insurance coverage and deductibles: The type and level of coverage you choose, as well as the deductibles you select, can affect your insurance rates.
Are there any discounts available for Lincoln Navigator car insurance?
Yes, many insurance providers offer various discounts that can help reduce the cost of insuring your Lincoln Navigator. Common discounts you may be eligible for include:
- Multi-vehicle discount: If you insure multiple vehicles with the same insurance provider, you may qualify for a discount.
- Bundling discount: Some insurers offer discounts if you bundle your car insurance policy with other types of insurance, such as homeowner’s insurance or renter’s insurance.
- Safe driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Anti-theft device discount: Installing anti-theft devices or alarm systems in your Lincoln Navigator can lead to discounts on your insurance premiums.
- Good student discount: If you or a family member on your policy is a student with good grades, you may qualify for a discount.
- Loyalty discount: Some insurance companies offer discounts to customers who have been with them for an extended period. It’s important to check with different insurance providers to determine which discounts they offer and if you meet the eligibility criteria.
Why might car insurance for a Lincoln Navigator be more expensive?
Car insurance for a Lincoln Navigator might be more expensive due to several reasons:
- Higher repair costs: Luxury vehicles like the Lincoln Navigator often have higher repair costs compared to standard vehicles, which can result in higher insurance rates.
- Higher replacement costs: The value of a Lincoln Navigator is typically higher than that of an average car. Insurers consider the potential cost of replacing the vehicle in the event of a total loss when determining insurance rates.
- Increased risk perception: Insurance companies assess the risk associated with insuring a particular vehicle model. The Lincoln Navigator, being a larger and more powerful vehicle, might be seen as having a higher risk of accidents or damage, leading to increased insurance rates.
- Cost of specialized parts: The availability and cost of specialized parts for luxury vehicles like the Lincoln Navigator can impact insurance rates. If parts are expensive or difficult to source, insurers may adjust rates accordingly.
- Potential for theft: Luxury vehicles are often targeted by thieves, including the Lincoln Navigator. The higher theft risk can result in higher insurance premiums.
Are there any ways to lower insurance costs for a Lincoln Navigator?
Yes, there are several strategies to potentially lower insurance costs for a Lincoln Navigator:
- Shop around for quotes: Obtain quotes from multiple insurance providers to compare rates and coverage options. Different companies may offer varying rates based on their evaluation of risk factors.
- Opt for higher deductibles: Choosing a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your insurance premium.
- Take advantage of discounts: In addition to the discounts mentioned earlier, inquire about other potential discounts, such as a clean driving record discount, low mileage discount, or completion of a defensive driving course.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs where your premium is based on your actual driving habits. If you’re a responsible driver, this could result in lower rates.
- Maintain a good credit score: In some states or countries, insurers consider credit scores when determining insurance rates. Maintaining a good credit score can help lower your premiums.
- Review your coverage periodically: As your Lincoln Navigator ages, reassess the level of coverage you need. Dropping certain coverage options, such as collision or comprehensive, on an older vehicle can reduce premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.