Lincoln Navigator Insurance Cost

Auto insurance for a Lincoln Navigator will cost about $2,203 per year.

This beats the national average for luxury SUV models by $22. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Lincoln Navigator.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Lincoln Navigator insurance rates can also differ 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 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $7,461 $10,955 $12,816
18 $6,953 $10,209 $11,944
19 $6,144 $9,023 $10,555
20 $5,358 $7,867 $9,204
21 $4,493 $6,597 $7,718
22 $4,376 $6,425 $7,517
23 $3,829 $5,622 $6,577
24 $3,637 $5,341 $6,248
25 $3,139 $4,609 $5,392
30 $2,445 $3,591 $4,200
35 $2,290 $3,363 $3,934
40 $2,203 $3,234 $3,784
45 $2,143 $3,147 $3,682
55 $1,966 $2,886 $3,377
65 $2,050 $3,011 $3,522
75 $2,588 $3,800 $4,445

Lincoln Navigator car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Lincoln Navigator by state.

Lincoln Navigator Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,334 $3,389 $4,314
Alaska $1,930 $2,676 $2,601
Arizona $2,182 $3,155 $4,648
Arkansas $2,393 $3,759 $4,139
California $2,664 $4,711 $2,664
Colorado $2,486 $3,479 $4,414
Connecticut $3,176 $4,926 $6,252
Delaware $2,629 $3,504 $4,501
Florida $3,131 $4,331 $5,644
Hawaii $1,020 $1,384 $1,020
Idaho $1,771 $2,348 $2,855
Illinois $1,854 $2,802 $3,195
Indiana $1,905 $2,912 $3,268
Iowa $1,509 $2,069 $2,433
Kansas $2,007 $2,920 $3,416
Kentucky $2,902 $4,259 $5,030
Louisiana $3,725 $5,630 $6,105
Maine $1,408 $1,947 $2,874
Maryland $2,279 $3,317 $3,685
Massachusetts $1,828 $3,189 $1,828
Michigan $4,411 $6,722 $10,602
Minnesota $1,816 $2,421 $3,409
Mississippi $2,192 $3,126 $3,147
Missouri $2,065 $2,953 $3,879
Montana $2,100 $2,930 $3,410
Nebraska $1,775 $2,625 $2,852
Nevada $2,928 $4,343 $4,587
New Hampshire $2,037 $3,220 $4,071
New Jersey $2,244 $3,520 $4,607
New Mexico $2,291 $3,409 $3,538
New York $2,123 $2,673 $4,461
North Carolina $1,316 $2,260 $1,612
North Dakota $1,801 $2,737 $3,236
Ohio $1,605 $2,476 $2,539
Oklahoma $2,564 $3,671 $4,133
Oregon $2,333 $3,130 $3,739
Pennsylvania $1,965 $2,885 $3,376
Rhode Island $3,281 $4,813 $5,419
South Carolina $2,228 $3,088 $4,262
South Dakota $1,999 $2,880 $3,324
Tennessee $2,351 $3,461 $4,609
Texas $2,368 $3,420 $4,254
Utah $2,014 $2,822 $3,883
Vermont $1,550 $2,388 $2,524
Virginia $1,460 $2,242 $2,198
Washington $1,933 $2,624 $3,133
West Virginia $1,945 $2,786 $3,490
Wisconsin $1,939 $3,027 $3,453
Wyoming $1,810 $2,535 $2,699
Georgia $2,552 $3,816 $3,848

Lincoln Navigator Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Lincoln Navigator ranks for Insurance compared to other vehicles. Also check out how the Navigator stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other Lincoln Navigator Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Lincoln Navigator costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: