Lincoln Navigator Insurance Cost

Auto insurance for a Lincoln Navigator will cost about $2,159 per year.

This is more than the national average for luxury SUV models by $92. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a Navigator.

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

These Lincoln Navigator insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Lincoln Navigator insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $7,312 $10,892 $12,875
18 $6,815 $10,150 $11,998
19 $6,022 $8,970 $10,604
20 $5,251 $7,821 $9,246
21 $4,404 $6,559 $7,753
22 $4,289 $6,388 $7,551
23 $3,753 $5,589 $6,607
24 $3,565 $5,310 $6,277
25 $3,077 $4,582 $5,417
30 $2,397 $3,570 $4,220
35 $2,245 $3,343 $3,952
40 $2,159 $3,215 $3,801
45 $2,101 $3,129 $3,699
55 $1,927 $2,870 $3,392
65 $2,010 $2,993 $3,538
75 $2,536 $3,778 $4,466

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 $2,287 $3,204 $4,010
Alaska $1,892 $2,756 $2,887
Arizona $2,139 $3,318 $4,731
Arkansas $2,345 $3,552 $3,974
California $2,611 $4,566 $2,611
Colorado $2,436 $3,373 $4,208
Connecticut $3,113 $4,813 $6,164
Delaware $2,577 $3,548 $4,711
Florida $3,068 $4,168 $5,433
Georgia $2,501 $3,856 $3,956
Hawaii $999 $1,379 $999
Idaho $1,736 $2,336 $2,909
Illinois $1,817 $2,686 $3,115
Indiana $1,867 $2,917 $3,405
Iowa $1,479 $2,218 $2,585
Kansas $1,967 $2,896 $3,431
Kentucky $2,844 $4,278 $5,031
Louisiana $3,651 $5,579 $6,007
Maine $1,380 $1,852 $2,702
Maryland $2,234 $3,276 $3,868
Massachusetts $1,791 $3,030 $1,791
Michigan $4,323 $6,499 $9,993
Minnesota $1,780 $2,391 $3,539
Mississippi $2,148 $3,245 $3,428
Missouri $2,024 $2,788 $3,606
Montana $2,058 $3,220 $3,552
Nebraska $1,740 $2,463 $2,802
Nevada $2,870 $4,332 $4,752
New Hampshire $1,996 $3,217 $4,097
New Jersey $2,199 $3,467 $4,473
New Mexico $2,246 $3,232 $3,629
New York $2,080 $2,709 $4,373
North Carolina $1,290 $2,082 $1,604
North Dakota $1,765 $2,716 $3,448
Ohio $1,573 $2,573 $2,666
Oklahoma $2,513 $3,773 $4,279
Oregon $2,286 $3,453 $3,962
Pennsylvania $1,926 $2,912 $3,343
Rhode Island $3,216 $4,934 $5,643
South Carolina $2,184 $3,160 $4,509
South Dakota $1,959 $2,696 $3,234
Tennessee $2,304 $3,447 $4,349
Texas $2,321 $3,415 $4,287
Utah $1,974 $2,854 $3,937
Vermont $1,519 $2,430 $2,656
Virginia $1,431 $2,155 $2,290
Washington $1,895 $2,847 $3,357
West Virginia $1,907 $2,777 $3,429
Wisconsin $1,901 $2,775 $3,370
Wyoming $1,774 $2,608 $2,915

Other Important Costs of Owning a Lincoln Navigator

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on Lincoln Navigator depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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