Lincoln Navigator Insurance Quotes [List of Money Saving Tips]

Lincoln Navigator insurance rates are $1,598 a year, or around $133 a month. On average, Lincoln Navigator comprehensive insurance coverage costs $389, collision coverage costs $568, and liability coverage costs $451.

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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 insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 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 $80 more expensive than the average vehicle. You can pay as low as $53 per month for liability-only coverage, but teen drivers could have Lincoln Navigator insurance rates up to $487 per month. Continue reading to learn how you slash Lincoln Navigator insurance rates to a more affordable rate.

You can start comparing quotes for Lincoln Navigator auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Lincoln Navigator Insurance Cost

The average Lincoln Navigator auto 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 Chevrolet Traverse, Volvo XC90, and Kia Telluride.

Vehicle Comprehensive Collision Liability Total
Lincoln Navigator $356 $686 $398 $1,598
Chevrolet Traverse $336 $470 $316 $1,258
Volvo XC90 $346 $600 $390 $1,494
Kia Telluride $376 $688 $316 $1,516
Ford Flex $332 $566 $398 $1,454
Lexus RX 350 $358 $660 $440 $1,638
Nissan Armada $306 $536 $338 $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?

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 rates for a 2018 Lincoln Navigator cost $1,598, while 2010 Lincoln Navigator rates 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 effect on the cost of Lincoln Navigator auto insurance. For example, 30-year-old drivers pay approximately $70 more for their Lincoln Navigator auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln Navigator insurance rates. For example, drivers in Los Angeles may pay $879 a year more than drivers in Phoenix.

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 auto insurance with violations on their driving record.

Lincoln Navigator Safety Ratings

Your Lincoln Navigator auto insurance rates are influenced by the safety ratings of the Lincoln Navigator. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Lincoln Navigator Crash Test Ratings

Good Lincoln Navigator crash test ratings mean the VW is safer, which could mean cheaper Lincoln Navigator auto 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 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 auto insurance rates; higher percentages mean higher Lincoln Navigator auto insurance rates. Insurance loss probability on the Lincoln Navigator fluctuates between 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
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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 auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Lincoln Navigator Insurance

There are many ways that you can save on Lincoln Navigator auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Lincoln Navigator auto insurance rates low.

  • Renew Your Lincoln Navigator Insurance Coverage to Avoid Lapses
  • Compare Auto Insurance Companies After Moving
  • Consider Ride Sharing Services to Lower Your Lincoln Navigator Mileage
  • Use an Accurate Job Title When Requesting Lincoln Navigator Insurance Rates
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Lincoln Navigator Insurance Companies

Who is the top 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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