Lincoln Navigator Car Insurance: How Much Should You Expect to Pay?

Lincoln Navigator drivers pay about $152 monthly for their insurance, on average. Check out our comprehensive guide to learn about how much auto insurance companies might charge you to insure your Lincoln Navigator.

Quick Facts

  • It costs about the same to insure a Lincoln Navigator as the average SUV.
  • Full coverage for a Navigator normally averages around $148 per month, while liability only car insurance prices run about $77 a month.
  • At as low as $36 monthly for liability only coverage, Workmens is the most affordable insurance company for a Navigator.

Navigator Overview

The Lincoln Navigator is a high-end SUV on the more expensive end of the spectrum, with a base price of $76,185 for 2020 models. There's a Navigator for every driver, with a choice of six different trim options.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've found that Lincoln Navigator auto insurance rates average out to around $152 per month. But how does that fare against its competitors?

Current Base Price$76,185
Body Style(s)SUV
Trim LevelsNAVIGATOR, L BLACK LABEL, L, BLACK LABEL, L RESERVE, RESERVE
Average Insurance Premium$152/mo.
Cheapest Insurance CompanyWorkmens

How Much is Car Insurance for a Lincoln Navigator?

Vehicle Liability Only Full Coverage
Lincoln Navigator$77$148
All Lincoln Models$76$157
All SUVs$80$151
Average Insurance Premium$81$169

In the table above, you'll see that compared to other vehicles, Lincoln Navigator insurance premiums are cheaper than average. Navigator owners generally pay about $77 a month for liability insurance, and around $148 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other Lincoln models, the Navigator is slightly less expensive, with prices about 6% lower than the rest of the manufacturer's vehicle offerings. Compared to SUV offerings from other brands, insurance for a Navigator is also more affordable, with full coverage insurance premiums coming in around 2% less and 4% less for liability only insurance.

When compared to all vehicles, regardless of model, body style, or make, the Navigator follows a similar pattern of having below average car insurance rates.

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Who has the Cheapest Car Insurance for a Lincoln Navigator?

Insurance Company Average Monthly Premium
Infinity$25
Shelter Mutual$33
Clearcover$35
Workmens$36
AnswerFinancial$38

If you're searching for a new auto insurance policy for your Lincoln Navigator, you might be wondering which carrier offers the cheapest rates. Even though costs will typically be pretty different from person to person, Infinity offers the cheapest average rates for liability only coverage, with rates as little as just $25 a month. With car insurance as low as just $33 per month, Shelter Mutual is the next lowest auto insurance company.

Clearcover, Workmens, and AnswerFinancial round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, insurance carriers look at several different variables when calculating rates, so your results might be different. By pulling quotes from a wide array of auto insurance companies at once, you can be sure you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Lincoln Navigator?

There are an array of factors that car insurance carriers take a look at to calculate how much they charge you -- and each carrier uses a different algorithm, so there's not one single company that's the cheapest for every Navigator driver.

The sections below show a variety of things insurance companies use to choose rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$82
2-3 Years$65
4-5 Years$66
6-7 Years$62
8-10 Years$78
11-14 Years$77
15 Years or Older$78

The Lincoln Navigator has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Navigators begin to depreciate, insurance costs will gradually decrease.

Based on the information in the table above, the Lincoln Navigator follows this trend, as the cheapest models to insure are those that are 6 to 7 years old, while on average, the most expensive models are Navigators that are 1 year old or less.

Your Age

Age Average Monthly Premium

Age is another factor that plays a significant role in how much you pay for auto insurance. As you can see above, teenage Navigator drivers have higher prices than drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 45-54 for Navigator drivers.

Your Gender

Gender Average Monthly Premium
Male$76
Female$78

You may not know, but insurance is usually more expensive for men than for women. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. Surprisingly, when it comes to Navigator drivers specifically, men pay about 3% less than women a month for car insurance.

Where You Live

State Average Monthly Premium
California$49
Florida$101
Georgia$101
Illinois$49
New York$177
North Carolina$46
Ohio$43
Pennsylvania$62
Texas$60
Virginia$59

It may be obvious that factors like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can be equally important? Since insurance is regulated at the state level, rates differ quite a bit depending on what state you live in.

For example, the average Lincoln Navigator owner in New York pays around $177 monthly for liability coverage. Meanwhile, the same Californian driver will pay less than half of that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.

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Lincoln Navigator Car Insurance Discounts

Whatever your home state, your car, or your age, it's always a good idea to take advantage of as many auto insurance discounts as possible.

Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Multi-policy discounts for using the same insurance carrier for both your home and car insurance
  • Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments

These are just a few of the discounts out there. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you may not be able to control every variable insurance carriers use to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the variables you can use to your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$117
1 Ticket$85
Multiple Tickets$87

You've most likely seen ads from car insurance companies promoting hefty discounts for responsible drivers. It shouldn't come as a surprise that if you get a ticket for speeding or get into an accident, auto insurance prices will get higher. But you're probably wondering exactly how much these infractions will cost you.

If you look at the table above, you'll notice that accidents will usually cost Navigator drivers more than tickets, but both will cause a significant increase in rates. Lincoln Navigator drivers with a single accident on their record pay an average of $88 each month (up $11 from the $77/mo. overall average), while drivers with one ticket will pay about $85 per month. Those who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$73
2,501-5,000 Miles$80
5,001-7,500 Miles$71
7,501-10,000 Miles$81
10,000+ Miles$75

Another factor that plays a role in your car insurance premiums is the amount of miles you drive annually. Those who are on the roads less often are less likely to get into accidents, so they'll typically be offered lower rates. Above, you can see that Lincoln Navigator owners who drive fewer than 2,500 miles every year pay about $73 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $75.

But if you don't drive much because you work from home or have a second vehicle, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Lincoln Navigators Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Lincoln Navigator is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Review the table below to see how the Lincoln Navigator stacks up:

Lincoln Navigator National Average
Liability Insurance$68$81
Full Coverage Insurance$222$169
Base MSRP$76,185$46,547
Average Annual Mileage10,48011,617

Overall, the Lincoln Navigator is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The Navigator has an MSRP of $76,185, a bit higher than the national average vehicle MSRP of $46,547.

Liability insurance for a Lincoln Navigator is about $13 per month less than average, while full coverage is over $50 more per month.

When it comes to usage, Lincoln Navigator owners drive fewer miles annually than the national average, with 10,480 miles per year compared to 11,617 for all vehicles.

Lincoln Navigator Car Insurance Costs by Model Year

You've seen how different factors can affect how much the average driver pays for auto insurance. But if you're in thinking about buying a new car, truck, or SUV and the Navigator is on your wishlist, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

2020 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$222
Base MSRP$76,185
Cheapest Insurance CompanyAmica - $68/mo.
Available TrimsBLACK LABEL, L, L BLACK LABEL, L RESERVE, NAVIGATOR, RESERVE

2020 Lincoln Navigator drivers can expect to pay an average of $68 a month for liability or $222 for full coverage.

Amica offered the most affordable policy we found, with rates sometimes as low as $68 monthly.

These average rates are a great starting point if you're in the market for a 2020 Lincoln Navigator, but there are a bunch of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2019 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$189
Base MSRP$73,205
Cheapest Insurance CompanyAnswerFinancial - $35/mo.
Available TrimsBLACK LABEL, L BLACK LABEL, L RESERVE, L SELECT, NAVIGATOR, RESERVE, SELECT

On average, drivers who own a 2019 Navigator can expect to pay $70 to $189 a month for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2019 Lincoln Navigator insurance policy, AnswerFinancial offered the lowest policy we found, with rates sometimes as cheap as $35 per month.

Want to know exactly what your car insurance rate will be? Get multiple customized quotes for free by just entering your ZIP code below.

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2018 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$131
Full Coverage Avg. Premium$193
Base MSRP$72,555
Cheapest Insurance CompanyMetLife - $131/mo.
Available TrimsBLACK LABEL, L BLACK LABEL, L RESERVE, L SELECT, PREMIERE, RESERVE, SELECT

You can expect full coverage for a 2018 Lincoln Navigator to run around $193 monthly, while liability only coverage will average about $131 per month.

We found MetLife offered the cheapest policy, with rates as cheap as $131 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2017 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$173
Base MSRP$63,515
Cheapest Insurance CompanyShelter Mutual - $33/mo.
Available TrimsL RESERVE, L SELECT, RESERVE, SELECT

It costs around $89 monthly for liability or $173 for a full coverage policy for the 2017 Navigator.

With prices as cheap as just $33 a month, Shelter Mutual offered the most affordable policy we found.

If you want to know exactly how much you can expect to pay for your Navigator, just enter your ZIP code below and get several free quotes in minutes.

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2016 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$46
Full Coverage Avg. Premium$167
Base MSRP$63,090
Cheapest Insurance CompanyInfinity - $25/mo.
Available TrimsL RESERVE, L SELECT, RESERVE, SELECT

The average cost to insure a 2016 Lincoln Navigator with liability only coverage is $46 monthly, while full coverage runs about $167 per month.

Infinity has rates as little as $25 monthly for the 2016 Lincoln Navigator.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2015 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$150
Base MSRP$61,920
Cheapest Insurance CompanyClearcover - $26/mo.
Available TrimsL, NAVIGATOR

2015 Navigator drivers can expect to pay an average of $66 a month for liability or $150 for full coverage.

Looking for the cheapest policy? Clearcover offered liability only coverage for sometimes as little as $26 per month.

What will your auto insurance premium be? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2014 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$94
Base MSRP$56,165
Cheapest Insurance CompanyElephant - $18/mo.
Available TrimsL, NAVIGATOR

The average cost to insure a 2014 Lincoln Navigator with liability only coverage is $56 monthly, while full coverage runs around $94 per month.

With premiums as little as $18 a month, Elephant offered the lowest policy we found for the 2014 Lincoln Navigator.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2013 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$126
Base MSRP$57,875
Cheapest Insurance CompanyMetLife - $28/mo.
Available TrimsL, NAVIGATOR

On average, drivers who own a 2013 Navigator can expect to pay $55 to $126 monthly for liability only and full coverage insurance, respectively.

With prices as low as $28 per month, MetLife offered the most affordable policy we found.

Interested in what your auto insurance premium will be? Just enter your ZIP code below to get several free customized quotes.

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2012 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$184
Base MSRP$57,775
Cheapest Insurance CompanyDairyland - $30/mo.
Available TrimsL, NAVIGATOR

It costs about $84 a month for liability or $184 for a full coverage policy for the 2012 Lincoln Navigator.

Looking for the cheapest policy? Dairyland offered liability only coverage for as cheap as $30 monthly.

If you want to find the best premiums for insurance for a 2012 Lincoln Navigator, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

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2011 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$107
Full Coverage Avg. Premium$136
Base MSRP$57,630
Cheapest Insurance CompanyInfinity - $30/mo.
Available TrimsL, NAVIGATOR

You can expect full coverage for a 2011 Navigator to run around $136 a month, while liability only coverage will average about $107 per month.

Infinity has rates sometimes as little as $30 monthly for the 2011 Lincoln Navigator.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2010 Lincoln Navigator Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$173
Base MSRP$54,950
Cheapest Insurance CompanyLiberty Mutual - $22/mo.
Available TrimsL, NAVIGATOR

It costs around $90 per month for liability or $173 for a full coverage policy for the 2010 Lincoln Navigator.

If you're looking for the lowest possible 2010 Lincoln Navigator insurance policy, Liberty Mutual offered the lowest policy we found, with rates sometimes as cheap as $22 a month.

If you want to find the best prices for car insurance for a 2010 Lincoln Navigator, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Lincoln Navigator Insurance FAQs

Is a Lincoln Navigator expensive to insure?

The cost of insurance for the Lincoln Navigator is about on par with the average SUV. Liability insurance runs an average of $77 monthly, while full coverage will cost you around $148.

How can I get the best price on car insurance for my Lincoln Navigator?

There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from a range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Lincoln Navigator affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. Although there are many factors auto insurance carriers examine when they decide how much to charge you for a policy, your vehicle's color is not factored into that equation.

Do I need to have insurance before I buy a Lincoln Navigator?

You'll need to have valid car insurance for your Navigator before you can legally drive your it off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to talk with your insurance company before you buy.

What car insurance discounts can I get for my Lincoln Navigator?

There are all sorts of discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Lincoln Navigator you drive, but if your Navigator has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from company to company.

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