Lincoln Navigator Insurance Quotes [Rates + Coverage Guide]

If you want to buy inexpensive Lincoln Navigator insurance coverage then you should know that a policy will cost $133 per month ($1,598 per year) on average. Finding Lincoln Navigator teenager insurance rates can cost on average $5,841 a year, so shop around to find cheap coverage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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 insurance rates average $1,598 a year or $133 a month, but good drivers who remain claim-free can save up to $659 a year with policy discounts by practicing safe driving habits. Let’s look at Lincoln Navigator insurance rates, crash test ratings, and more.

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 auto insurance costs 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 Toyota 4Runner, Mercedes-Benz GLS 450, and Volkswagen Touareg.

Vehicle Comprehensive Collision Liability Total
Lincoln Navigator $356 $686 $398 $1,598
Toyota 4Runner $332 $512 $332 $1,312
Mercedes-Benz GLS 450 $458 $894 $398 $1,908
Volkswagen Touareg $372 $690 $390 $1,610
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Honda Passport $362 $656 $316 $1,470
Nissan Pathfinder $294 $452 $390 $1,294
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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 impact on Lincoln Navigator auto insurance rates. For example, 20-year-old drivers pay approximately $1,955 more each year for their Lincoln Navigator auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln Navigator insurance rates. For example, drivers in Jacksonville may pay $959 a year more than drivers in Indianapolis.

Your Driving Record

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

Lincoln Navigator Crash Test Ratings

If the Lincoln Navigator crash test ratings are good, you could have lower Lincoln Navigator car insurance rates. 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

The Lincoln Navigator’s insurance loss probability varies between different coverage types. The lower percentage means lower Lincoln Navigator auto insurance costs; higher percentages mean higher Lincoln Navigator auto insurance costs.

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

If you are financing a Lincoln Navigator, most lenders will require your carry higher Lincoln Navigator coverages including comprehensive coverage, so be sure to 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

  • Spy on Your Teen Driver
  • Improve Your Credit Score
  • Provide Your Lincoln Navigator VIN When Requesting Lincoln Navigator Auto Insurance Quotes
  • Pay Your Lincoln Navigator Insurance Upfront
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts

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

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.

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