Best Lincoln Navigator Car Insurance Quotes (2024)
Lincoln Navigator insurance costs are $133 per month on average. The most popular insurance companies for Lincoln Navigator insurance coverage are State Farm and GEICO. A good driving record will save money on your Lincoln Navigator car insurance, so start comparing Lincoln Navigator insurance quotes for free with our tool below.
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 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 | |||
Compare Free Lincoln Navigator Insurance Quotes Online
Start comparing Lincoln Navigator auto insurance quotes for free by using our FREE online comparison tool.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What factors determine the cost of Lincoln Navigator car insurance?
Several factors can influence the cost of Lincoln Navigator car insurance, including the driver’s age, driving history, location, and coverage levels. The cost of insurance can also be impacted by the make and model of the vehicle, as well as its safety features and repair costs.
What are the recommended coverage levels for Lincoln Navigator car insurance?
The recommended coverage levels for Lincoln Navigator car insurance will depend on several factors, including the driver’s needs and budget. However, most states require drivers to carry liability insurance, which covers damages to other drivers or their property in the event of an accident. Collision and comprehensive coverage can also provide added protection for your vehicle, but may not be necessary for everyone.
What safety features does the Lincoln Navigator have that can lower insurance rates?
The Lincoln Navigator comes with several safety features that can help lower insurance rates, including adaptive cruise control, lane departure warning, blind spot monitoring, and automatic emergency braking. These features can help prevent accidents and reduce the severity of any accidents that do occur, which can lead to lower insurance rates.
How can I save money on Lincoln Navigator car insurance?
There are several ways to save money on Lincoln Navigator car insurance, including shopping around for the best rates, maintaining a good driving record, taking advantage of discounts for safe driving, bundling multiple policies, and increasing your deductible. Installing safety features or anti-theft devices on your vehicle may also help lower your insurance rates.
What insurance companies offer the best rates for Lincoln Navigator car insurance?
The best insurance company for Lincoln Navigator car insurance will depend on several factors, including the driver’s location, driving history, and coverage needs. However, some insurance companies that may offer competitive rates for Lincoln Navigator car insurance include State Farm, Geico, Progressive, and Allstate. It is always best to shop around and compare rates from multiple insurance providers before making a decision.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.