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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.
Table of Contents
The average Lincoln Navigator auto insurance rates are $1,598 a year or $133 a month.
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.
The Lincoln Navigator trim and model you choose can impact the total price you will pay for Lincoln Navigator insurance coverage.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The numerous safety features of the Lincoln Navigator help contribute to lower insurance rates. The 2020 Lincoln Navigator has the following safety features:
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 | |
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.
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.
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 | |||
Save money by comparing Lincoln Navigator insurance rates with free quotes online now!
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