Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

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

  • Average full coverage auto insurance premium: $220/month

  • Most affordable companies: GEICO ($130/month) & Mercury Insurance ($138/month)

  • 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. 

Free Auto Insurance Comparison

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:

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 scoretype 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

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lincoln models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • 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 ToyotaHonda, 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.

2021 Lincoln Navigator

Cheapest Insurance CompaniesAverage Annual Cost
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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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