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Lincoln Navigator Insurance Cost Estimate

If you want to buy affordable Lincoln Navigator insurance coverage then you should know that a policy will cost $133 per month ($1,598 per year) on average. Mature drivers with good driving records may find rates as low as $939 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 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 insurance rates are about $79 more annually than the average vehicle in the country. Full coverage will set you back around $,1598 a year or $133 a month, but good drivers who remain claim-free can save up to $659 a year with policy discounts just for them. 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 auto insurance rates for a Lincoln Navigator cost $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 Mercedes-Benz GLE 350, Hyundai Santa Fe, and Ford Expedition.

Vehicle Comprehensive Collision Liability Total
Lincoln Navigator $356 $686 $398 $1,598
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Hyundai Santa Fe $294 $562 $372 $1,386
Ford Expedition $336 $532 $316 $1,320
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Toyota Sequoia $332 $566 $398 $1,454
Jeep Compass $294 $500 $372 $1,324

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 will affect the total price you will pay for Lincoln Navigator insurance coverage.

Age of the Vehicle

Older Lincoln Navigator models generally cost less to insure. For example, car 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 Lincoln Navigator car insurance rates. As an example, a 30-year-old driver pays around $70 more each year for their Lincoln Navigator car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln Navigator insurance rates. For example, drivers in Houston may pay $1,178 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Lincoln Navigator auto insurance rates. 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

Lincoln Navigator crash test ratings can impact your 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

Lincoln Navigator Safety Features

The numerous safety features of the Lincoln Navigator help contribute to lower insurance rates. The 2020 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 lower percentage means lower Lincoln Navigator car insurance costs; higher percentages mean higher Lincoln Navigator car insurance costs. Compare the following Lincoln Navigator auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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

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

Save more on your Lincoln Navigator car insurance rates. Take a look at the following five strategies that will get you the best Lincoln Navigator auto insurance rates possible.

  • Improve Your Credit Score
  • Move to an Area with a Lower Cost of Living
  • Remove Young Drivers from Your Lincoln Navigator Insurance Plan
  • Make Sure You Use an Accredited Driver Safety Program
  • Ask About Welcome 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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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