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Lincoln Navigator Costs

Lincoln Navigator Costs of Ownership
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The average cost of owning a Lincoln Navigator for 5 years is $81,783. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

Lincoln Navigator CarEdge Value Rating


This grade is our unbiased, trusted and candid financial assessment of whether the Lincoln Navigator is likely to be a good or bad automobile investment. Learn more about our Value Ratings and methodolgy.

Lincoln Navigator Depreciation

A Lincoln Navigator will depreciate in value by $45,605 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped Lincoln Navigator sells for $102,231 on average. After 5 years of depreciation, the average residual value will be $56,626. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower. Use our Lincoln Navigator Depreciation Calculator to see how model year and mileage will affect your resale value.

Lincoln Navigator Depreciation Calculator

Current Vehicle Age
Current Price
Own it For
Annual Miles

Lincoln Navigator Insurance

The average annual cost for auto insurance for a Lincoln Navigator is $2,203, which adds up to $11,015 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our Lincoln Navigator Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

Lincoln Navigator insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Lincoln Navigator Maintenance

Maintenance and repair costs for a Lincoln Navigator will amount to $3,437 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our Lincoln Navigator Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

Lincoln Navigator Financing Costs

The average cost to finance a new Lincoln Navigator would be $11,971 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment.

Our Lincoln Navigator Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

Lincoln Navigator Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

Lincoln Navigator Fuel Economy

A Lincoln Navigator gets an average of 18 MPG, which will cost a total of $9,755 for fuel after 5 years, or about $1,951 annually. These estimates are based on recently collected national average fuel prices, assuming 12,000 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the Lincoln Navigator models and engines below for our estimates:

Lincoln Navigator MPG

Model Powertrain MPG (combined) City Hwy
NAVIGATOR 2WD 6cyl, 3.5L, Auto(S10) 19 16 22
NAVIGATOR 4WD 6cyl, 3.5L, Auto(S10) 18 16 21
NAVIGATOR L 2WD 6cyl, 3.5L, Auto(S10) 18 16 21

Lincoln Navigator Video Review

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