How to Find Cheap Lincoln Navigator Insurance Quotes

InLincoln Navigator insurance rates are around $133 a month. You can find cheap Lincoln Navigator insurance quotes with this guide. Just enter your ZIP code below to find free insurance quotes and start comparing Lincoln Navigator insurance coverage in your area. A good driving record can keep your Lincoln Navigator insurance costs low.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 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 insurance rates are above average in the U.S., costing about $79 more per year than the average vehicle. Its imposing size and MSRP contribute to these higher numbers, but good drivers can save up to $659 a year by being courteous on the road.

Full coverage averages about $1,598 a year or $133 a month, but older vehicles can get away with cheaper liability-only coverage for $641 a year or $53 a month. We’re going to look at Lincoln Navigator insurance rates, crash test ratings, and more below.

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 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 Cadillac Escalade, Ford Explorer, and Nissan Pathfinder.

Vehicle Comprehensive Collision Liability Total
Lincoln Navigator $356 $686 $398 $1,598
Cadillac Escalade $458 $780 $466 $1,904
Ford Explorer $308 $470 $372 $1,308
Nissan Pathfinder $294 $452 $390 $1,294
BMW X5 $444 $750 $372 $1,724
Toyota Land Cruiser $420 $774 $398 $1,750
Volkswagen Tiguan $306 $542 $332 $1,316
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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?

Even though the average annual rate for the Lincoln Navigator is $1,598, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Lincoln Navigator.

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 instance, a 30-year-old driver may pay $70 more each year for Lincoln Navigator auto 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 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 auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Lincoln Navigator car insurance with violations on their driving record.

Lincoln Navigator Safety Ratings

Your Lincoln Navigator car insurance rates are tied to the safety ratings of the Lincoln Navigator. See the breakdown below:

Test Type Rating
Child seat anchors Marginal
Front crash prevention Not Available
Source: Insurance Institute for Highway Safety
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Lincoln Navigator Crash Test Ratings

The crash test ratings of the Lincoln Navigator can impact your Lincoln Navigator car insurance rates.

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 more safety features you have on your Lincoln Navigator, the more likely it is that you can earn a discount. The Lincoln Navigator’s safety features include:

  • 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Lincoln Navigator, others are more favorable and lead to lower insurance rates.

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 car insurance costs. For example, try these five tips:

  • Ask About Lincoln Navigator Safety Discounts
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Ask About Loyalty Discounts
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Don’t Always Pick the Cheapest Lincoln Navigator Insurance Policy

Top Lincoln Navigator Insurance Companies

Who is the best auto insurance company for Lincoln Navigator insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln Navigator auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln Navigator offers.

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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