Lincoln Navigator Car Insurance Cost
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UPDATED: Jun 17, 2021
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Are you looking for a new or used Lincoln Navigator? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.
Lincoln Navigator car insurance facts
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Average full coverage auto insurance premium: $220/month
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Most affordable companies: GEICO ($130/month) & Mercury Insurance ($138/month)
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Navigator car insurance cost vs. average rates: $189 more expensive than the average vehicle
Explore the pricing information below to find how much it will cost you to insure your Lincoln Navigator by model year and auto insurer.
Make sure to comparison shop before making a new car purchase to save money.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Below average Lincoln Navigator insurer costs by state:
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California car insurance – $2,614 per year
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Kansas car insurance – $1,632 per year
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Florida car insurance – $2,480 per year
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Georgia car insurance – $1,996 per year
- New York car insurance – $2,921 per year
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Pennsylvania car insurance – $1,574 per year
Risk factors affecting Lincoln Navigator car insurance rates
The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.
How to save money on Lincoln Navigator car insurance coverage?
Many driver discounts are available to people through most major auto insurance companies, such as
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Student discounts
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Safe drivers
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Senior discounts
With all Lincoln models, you can get the following car insurance discounts:
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Passive restraint systems
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Anti-lock brakes
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Anti-theft devices
Lincoln luxury automobile brand
Lincoln is an automobile manufacturer division of Ford specializing in top luxury brands with exceptional reliability for the United States market. The target audience of Lincoln is the older generation demanding more traditional cars with elegance and conventional American luxury. All Lincoln automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lincoln Continental, Navigator, and MKZ are some of their most popular cars.
High Lincoln Navigator repair costs equal high coverage rates
Many consumers are attracted to Lincoln’s traditional American features, lack of engine vibration, and driver-assist technologies, like Co-Pilot360 safety features. Automotive parts are common but more expensive than popular vehicles, like Toyota, Honda, or Subaru. Repairing a Lincoln is higher than average since repair parts are more expensive. For this reason, many Lincolns are going to have higher than average car insurance rates compared to similar cars in their class.
Rapid depreciation for Lincoln Navigator affecting auto policies
Another factor to consider for Lincoln is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lincoln models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.
Excellent Lincoln IIHS and NHTSA safety ratings decreasing car insurance rates for drivers
Lincolns are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lincoln’s (Ford’s) Co-Pilot360 technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lincoln models. The Lincoln Corsair and Lincoln Aviator are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Lincoln automobiles top safety ratings each year, lowering your car insurance costs.
AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lincoln automobile owners when buying a car insurance policy.
Make sure to shop around with multiple car insurance carriers before making a new car purchase.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
2021 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
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21st Century | $2516 |
Acuity | $2639 |
Allied | $1890 |
Allstate | $2079 |
American Family | $1913 |
Arbella | $1956 |
Country Financial | $2243 |
Erie | $1745 |
GEICO | $1563 |
Kentucky Farm Bureau | $2256 |
Liberty Mutual | $1813 |
Mercury | $1659 |
Nationwide | $1840 |
Progressive | $1786 |
State Farm | $1690 |
Texas Farm Bureau | $2053 |
The Hanover | $2319 |
Travelers | $2165 |
Compare all 2021 Lincoln Navigator rates
Average Cost to Insure Per Year
$2641
List Price
$76185
Trims Available
Select - Reserve - Base Engine: twin-turbocharged V-6 makes 450 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors
2020 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
21st Century | $2511 |
Allied | $1864 |
Allstate | $2061 |
American Family | $1873 |
Arbella | $1944 |
Country Financial | $2190 |
Erie | $1647 |
GEICO | $1462 |
Kentucky Farm Bureau | $2215 |
Liberty Mutual | $1736 |
Mercury | $1530 |
Nationwide | $1781 |
State Farm | $1586 |
Texas Farm Bureau | $2046 |
The Hanover | $2316 |
Travelers | $2109 |
Compare all 2020 Lincoln Navigator rates
Average Cost to Insure Per Year
$2409
List Price
$76185
Trims Available
Select - Reserve - Base Engine: twin-turbocharged V-6 makes 450 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors
2019 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
21st Century | $2486 |
Allied | $1821 |
Allstate | $2043 |
American Family | $1840 |
Arbella | $1891 |
Country Financial | $2165 |
Erie | $1621 |
GEICO | $1369 |
Kentucky Farm Bureau | $2170 |
Liberty Mutual | $1660 |
Mercury | $1426 |
Nationwide | $1730 |
State Farm | $1487 |
Texas Farm Bureau | $2035 |
The Hanover | $2298 |
Travelers | $2068 |
Compare all 2019 Lincoln Navigator rates
Average Cost to Insure Per Year
$2348
List Price
$73205
Trims Available
Select - Reserve - Base Engine: twin-turbocharged V-6 makes 450 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors
2018 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
21st Century | $2450 |
Allied | $1789 |
Allstate | $2015 |
American Family | $1835 |
Arbella | $1864 |
Country Financial | $2141 |
Erie | $1596 |
GEICO | $1359 |
Kentucky Farm Bureau | $2167 |
Liberty Mutual | $1653 |
Mercury | $1406 |
Nationwide | $1726 |
State Farm | $1459 |
Texas Farm Bureau | $1986 |
The Hanover | $2290 |
Travelers | $2036 |
Compare all 2018 Lincoln Navigator rates
Average Cost to Insure Per Year
$2148
List Price
$72555
Trims Available
Select - Reserve - Base Engine: twin-turbocharged V-6 makes 450 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors
2017 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Acuity | $ 1452 |
Acuity | $ 1452 |
Allied | $ 1471 |
Allied | $ 1471 |
Arbella | $ 1596 |
Arbella | $ 1596 |
Country | $ 1532 |
Country | $ 1532 |
Erie | $ 1153 |
Erie | $ 1153 |
GEICO | $ 1533 |
GEICO | $ 1533 |
Nationwide | $ 1511 |
Nationwide | $ 1511 |
Plymouth Rock Insurance | $ 1367 |
Plymouth Rock Insurance | $ 1367 |
Tennessee Farmers | $ 1541 |
Tennessee Farmers | $ 1541 |
Texas Farm Bureau | $ 1043 |
Texas Farm Bureau | $ 1043 |
USAA | $ 1431 |
USAA | $ 1431 |
Vermont Mutual | $ 1354 |
Vermont Mutual | $ 1354 |
Compare all 2017 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1554
List Price
$ 63515
Trims Available
Select - Reserve
2016 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Acuity | $ 1375 |
Acuity | $ 1375 |
Allied | $ 1487 |
Allied | $ 1487 |
Arbella | $ 1462 |
Arbella | $ 1462 |
Country | $ 1430 |
Country | $ 1430 |
Erie | $ 1110 |
Erie | $ 1110 |
GEICO | $ 1457 |
GEICO | $ 1457 |
Nationwide | $ 1524 |
Nationwide | $ 1524 |
Plymouth Rock Insurance | $ 1331 |
Plymouth Rock Insurance | $ 1331 |
Tennessee Farmers | $ 1187 |
Tennessee Farmers | $ 1187 |
Texas Farm Bureau | $ 1042 |
Texas Farm Bureau | $ 1042 |
USAA | $ 1436 |
USAA | $ 1436 |
Vermont Mutual | $ 1254 |
Vermont Mutual | $ 1254 |
Compare all 2016 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1522
List Price
$ 63195
Trims Available
Select - Reserve
2015 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Acuity | $ 1329 |
Acuity | $ 1329 |
Allied | $ 1352 |
Allied | $ 1352 |
Arbella | $ 1442 |
Arbella | $ 1442 |
Country | $ 1400 |
Country | $ 1400 |
Erie | $ 1094 |
Erie | $ 1094 |
GEICO | $ 1485 |
GEICO | $ 1485 |
Nationwide | $ 1476 |
Nationwide | $ 1476 |
Plymouth Rock Insurance | $ 1261 |
Plymouth Rock Insurance | $ 1261 |
Tennessee Farmers | $ 1156 |
Tennessee Farmers | $ 1156 |
Texas Farm Bureau | $ 1067 |
Texas Farm Bureau | $ 1067 |
USAA | $ 1414 |
USAA | $ 1414 |
Vermont Mutual | $ 1192 |
Vermont Mutual | $ 1192 |
Compare all 2015 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1513
List Price
$ 61920
Trims Available
Base
2014 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Acuity | $ 1264 |
Acuity | $ 1264 |
Allied | $ 1310 |
Allied | $ 1310 |
Arbella | $ 1373 |
Arbella | $ 1373 |
Country | $ 1354 |
Country | $ 1354 |
Erie | $ 1008 |
Erie | $ 1008 |
GEICO | $ 1464 |
GEICO | $ 1464 |
Nationwide | $ 1458 |
Nationwide | $ 1458 |
Plymouth Rock Insurance | $ 1224 |
Plymouth Rock Insurance | $ 1224 |
Tennessee Farmers | $ 1108 |
Tennessee Farmers | $ 1108 |
Texas Farm Bureau | $ 1042 |
Texas Farm Bureau | $ 1042 |
USAA | $ 1252 |
USAA | $ 1252 |
Vermont Mutual | $ 1115 |
Vermont Mutual | $ 1115 |
Compare all 2014 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1430
List Price
$ 56165
Trims Available
Base
2013 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Acuity | $ 1195 |
Acuity | $ 1195 |
Allied | $ 1177 |
Allied | $ 1177 |
Arbella | $ 1236 |
Arbella | $ 1236 |
Country | $ 1290 |
Country | $ 1290 |
Erie | $ 969 |
Erie | $ 969 |
GEICO | $ 1345 |
GEICO | $ 1345 |
Nationwide | $ 1362 |
Nationwide | $ 1362 |
Plymouth Rock Insurance | $ 1198 |
Plymouth Rock Insurance | $ 1198 |
Tennessee Farmers | $ 1047 |
Tennessee Farmers | $ 1047 |
Texas Farm Bureau | $ 1016 |
Texas Farm Bureau | $ 1016 |
USAA | $ 1278 |
USAA | $ 1278 |
Vermont Mutual | $ 1035 |
Vermont Mutual | $ 1035 |
Compare all 2013 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1375
List Price
$ 57875
Trims Available
Base
2012 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Acuity | $ 1156 |
Acuity | $ 1156 |
Allied | $ 1280 |
Allied | $ 1280 |
Arbella | $ 1269 |
Arbella | $ 1269 |
Country | $ 1278 |
Country | $ 1278 |
Erie | $ 944 |
Erie | $ 944 |
GEICO | $ 1304 |
GEICO | $ 1304 |
Plymouth Rock Insurance | $ 1179 |
Plymouth Rock Insurance | $ 1179 |
Southern Farm Bureau | $ 1386 |
Southern Farm Bureau | $ 1386 |
Tennessee Farmers | $ 1048 |
Tennessee Farmers | $ 1048 |
Texas Farm Bureau | $ 965 |
Texas Farm Bureau | $ 965 |
USAA | $ 1178 |
USAA | $ 1178 |
Vermont Mutual | $ 1000 |
Vermont Mutual | $ 1000 |
Compare all 2012 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1328
List Price
$ 57775
Trims Available
Base
2011 Lincoln Navigator
Cheapest Insurance Companies | Average Annual Cost |
---|---|
Allied | $ 1224 |
Allied | $ 1224 |
Arbella | $ 1085 |
Arbella | $ 1085 |
Country | $ 1252 |
Country | $ 1252 |
Erie | $ 920 |
Erie | $ 920 |
GEICO | $ 1303 |
GEICO | $ 1303 |
Nationwide | $ 1377 |
Nationwide | $ 1377 |
Plymouth Rock Insurance | $ 1169 |
Plymouth Rock Insurance | $ 1169 |
Southern Farm Bureau | $ 1330 |
Southern Farm Bureau | $ 1330 |
Tennessee Farmers | $ 1048 |
Tennessee Farmers | $ 1048 |
Texas Farm Bureau | $ 942 |
Texas Farm Bureau | $ 942 |
USAA | $ 1131 |
USAA | $ 1131 |
Vermont Mutual | $ 964 |
Vermont Mutual | $ 964 |
Compare all 2011 Lincoln Navigator rates
Average Cost to Insure Per Year
$ 1335
List Price
$ 57630
Trims Available
Base