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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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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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