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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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.

Are you looking for a new or used Lincoln Navigator L? 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 L car insurance facts

  • Average full coverage auto insurance premium: $232/month

  • Most affordable companies: Erie Insurance ($143/month) & Nationwide ($152/month)

  • Navigator L car insurance cost vs. average rates: $206 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lincoln Navigator L 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.

 Secured with SHA-256 Encryption

Below average Lincoln Navigator L insurer costs by state:

Risk factors affecting Lincoln Navigator L 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 car insurance rate.

How to save money on Lincoln Navigator L 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 L repair costs equal high car insurance 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 L 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 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3024
Acuity$3129
Allied$2179
Allstate$2478
American Family$2240
Arbella$2269
Country Financial$2654
Erie$1739
GEICO$1967
Kentucky Farm Bureau$2743
Liberty Mutual$2106
Mercury$2137
Nationwide$1846
Progressive$2059
State Farm$1890
Texas Farm Bureau$2249
The Hanover$2895
Travelers$2534

Compare all 2021 Lincoln Navigator L rates

Average Cost to Insure Per Year

$2780

List Price

$85190

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 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3019
Allied$2040
Allstate$2390
American Family$2067
Arbella$2124
Country Financial$2615
Erie$1686
GEICO$1819
Kentucky Farm Bureau$2734
Liberty Mutual$1899
Mercury$1930
Nationwide$1735
State Farm$1806
Texas Farm Bureau$2235
The Hanover$2861
Travelers$2451

Compare all 2020 Lincoln Navigator L rates

Average Cost to Insure Per Year

$2670

List Price

$84925

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 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2961
Allied$2036
Allstate$2386
American Family$2019
Arbella$2078
Country Financial$2540
Erie$1529
GEICO$1720
Kentucky Farm Bureau$2659
Liberty Mutual$1786
Mercury$1861
Nationwide$1630
State Farm$1684
Texas Farm Bureau$2215
The Hanover$2716
Travelers$2489

Compare all 2019 Lincoln Navigator L rates

Average Cost to Insure Per Year

$2490

List Price

$80755

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 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2841
Allied$1986
Allstate$2290
American Family$2015
Arbella$2036
Country Financial$2481
Erie$1439
GEICO$1653
Kentucky Farm Bureau$2590
Liberty Mutual$1784
Mercury$1853
Nationwide$1587
State Farm$1621
Texas Farm Bureau$2178
The Hanover$2648
Travelers$2376

Compare all 2018 Lincoln Navigator L rates

Average Cost to Insure Per Year

$2156

List Price

$73250

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 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1451
Acuity$ 1451
Allied$ 1609
Allied$ 1609
Arbella$ 1606
Arbella$ 1606
Country$ 1565
Country$ 1565
Erie$ 1128
Erie$ 1128
Nationwide$ 1680
Nationwide$ 1680
Plymouth Rock Insurance$ 1393
Plymouth Rock Insurance$ 1393
Southern Farm Bureau$ 1729
Southern Farm Bureau$ 1729
Tennessee Farmers$ 1550
Tennessee Farmers$ 1550
Texas Farm Bureau$ 1144
Texas Farm Bureau$ 1144
USAA$ 1438
USAA$ 1438
Vermont Mutual$ 1405
Vermont Mutual$ 1405

Compare all 2017 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1525

List Price

$ 65905

Trims Available

Select - Reserve

2016 Lincoln Navigator L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1420
Acuity$ 1420
Allied$ 1615
Allied$ 1615
Arbella$ 1588
Arbella$ 1588
Country$ 1516
Country$ 1516
Erie$ 1060
Erie$ 1060
GEICO$ 1646
GEICO$ 1646
Nationwide$ 1643
Nationwide$ 1643
Plymouth Rock Insurance$ 1359
Plymouth Rock Insurance$ 1359
Tennessee Farmers$ 1197
Tennessee Farmers$ 1197
Texas Farm Bureau$ 1152
Texas Farm Bureau$ 1152
USAA$ 1487
USAA$ 1487
Vermont Mutual$ 1356
Vermont Mutual$ 1356

Compare all 2016 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1589

List Price

$ 65560

Trims Available

Select - Reserve

2015 Lincoln Navigator L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1383
Acuity$ 1383
Allied$ 1608
Allied$ 1608
Arbella$ 1589
Arbella$ 1589
Country$ 1492
Country$ 1492
Erie$ 1056
Erie$ 1056
Plymouth Rock Insurance$ 1318
Plymouth Rock Insurance$ 1318
Southern Farm Bureau$ 1672
Southern Farm Bureau$ 1672
State Farm$ 1675
State Farm$ 1675
Tennessee Farmers$ 1262
Tennessee Farmers$ 1262
Texas Farm Bureau$ 1191
Texas Farm Bureau$ 1191
USAA$ 1526
USAA$ 1526
Vermont Mutual$ 1296
Vermont Mutual$ 1296

Compare all 2015 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1610

List Price

$ 64285

Trims Available

Base

2014 Lincoln Navigator L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1320
Acuity$ 1320
Allied$ 1408
Allied$ 1408
American Family$ 1596
American Family$ 1596
Arbella$ 1518
Arbella$ 1518
Country$ 1446
Country$ 1446
Erie$ 1014
Erie$ 1014
Nationwide$ 1548
Nationwide$ 1548
Southern Farm Bureau$ 1606
Southern Farm Bureau$ 1606
Tennessee Farmers$ 1206
Tennessee Farmers$ 1206
Texas Farm Bureau$ 1097
Texas Farm Bureau$ 1097
USAA$ 1319
USAA$ 1319
Vermont Mutual$ 1210
Vermont Mutual$ 1210

Compare all 2014 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1484

List Price

$ 58330

Trims Available

Base

2013 Lincoln Navigator L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1270
Acuity$ 1270
Allied$ 1339
Allied$ 1339
Arbella$ 1391
Arbella$ 1391
Country$ 1411
Country$ 1411
Erie$ 979
Erie$ 979
Nationwide$ 1511
Nationwide$ 1511
Plymouth Rock Insurance$ 1254
Plymouth Rock Insurance$ 1254
Southern Farm Bureau$ 1536
Southern Farm Bureau$ 1536
Tennessee Farmers$ 1175
Tennessee Farmers$ 1175
Texas Farm Bureau$ 1070
Texas Farm Bureau$ 1070
USAA$ 1333
USAA$ 1333
Vermont Mutual$ 1156
Vermont Mutual$ 1156

Compare all 2013 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1437

List Price

$ 60040

Trims Available

Base

2012 Lincoln Navigator L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1215
Acuity$ 1215
Allied$ 1421
Allied$ 1421
American Family$ 1504
American Family$ 1504
Arbella$ 1455
Arbella$ 1455
Country$ 1382
Country$ 1382
Erie$ 949
Erie$ 949
Plymouth Rock Insurance$ 1225
Plymouth Rock Insurance$ 1225
Southern Farm Bureau$ 1474
Southern Farm Bureau$ 1474
Tennessee Farmers$ 1160
Tennessee Farmers$ 1160
Texas Farm Bureau$ 1044
Texas Farm Bureau$ 1044
USAA$ 1196
USAA$ 1196
Vermont Mutual$ 1100
Vermont Mutual$ 1100

Compare all 2012 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1406

List Price

$ 59940

Trims Available

Base

2011 Lincoln Navigator L

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1340
Allied$ 1340
American Family$ 1445
American Family$ 1445
Arbella$ 1164
Arbella$ 1164
Country$ 1322
Country$ 1322
Erie$ 913
Erie$ 913
GEICO$ 1452
GEICO$ 1452
Plymouth Rock Insurance$ 1207
Plymouth Rock Insurance$ 1207
Southern Farm Bureau$ 1389
Southern Farm Bureau$ 1389
Tennessee Farmers$ 1131
Tennessee Farmers$ 1131
Texas Farm Bureau$ 1047
Texas Farm Bureau$ 1047
USAA$ 1171
USAA$ 1171
Vermont Mutual$ 1036
Vermont Mutual$ 1036

Compare all 2011 Lincoln Navigator L rates

Average Cost to Insure Per Year

$ 1391

List Price

$ 59795

Trims Available

Base