Lincoln Navigator Insurance Cost

Auto insurance for a Lincoln Navigator will cost about $1,770 per year.

This beats the national average for luxury SUV models by $17. 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 $5,997 $8,806 $10,302
18 $5,589 $8,206 $9,600
19 $4,939 $7,252 $8,484
20 $4,306 $6,324 $7,398
21 $3,611 $5,303 $6,204
22 $3,517 $5,165 $6,042
23 $3,078 $4,519 $5,287
24 $2,924 $4,293 $5,022
25 $2,523 $3,705 $4,334
30 $1,966 $2,886 $3,376
35 $1,841 $2,703 $3,162
40 $1,770 $2,600 $3,041
45 $1,723 $2,530 $2,959
55 $1,580 $2,320 $2,714
65 $1,648 $2,420 $2,831
75 $2,080 $3,054 $3,573

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 $1,876 $2,724 $3,468
Alaska $1,552 $2,151 $2,091
Arizona $1,754 $2,536 $3,736
Arkansas $1,923 $3,022 $3,327
California $2,141 $3,787 $2,141
Colorado $1,998 $2,796 $3,548
Connecticut $2,553 $3,959 $5,026
Delaware $2,113 $2,817 $3,618
Florida $2,516 $3,481 $4,537
Georgia $2,051 $3,068 $3,093
Hawaii $819 $1,112 $819
Idaho $1,424 $1,887 $2,295
Illinois $1,490 $2,253 $2,568
Indiana $1,531 $2,341 $2,626
Iowa $1,213 $1,663 $1,956
Kansas $1,613 $2,347 $2,746
Kentucky $2,332 $3,424 $4,043
Louisiana $2,994 $4,526 $4,907
Maine $1,132 $1,565 $2,310
Maryland $1,832 $2,667 $2,962
Massachusetts $1,469 $2,563 $1,469
Michigan $3,545 $5,403 $8,522
Minnesota $1,459 $1,946 $2,740
Mississippi $1,762 $2,513 $2,529
Missouri $1,660 $2,373 $3,118
Montana $1,688 $2,355 $2,741
Nebraska $1,427 $2,110 $2,292
Nevada $2,353 $3,491 $3,687
New Hampshire $1,637 $2,589 $3,272
New Jersey $1,804 $2,830 $3,703
New Mexico $1,842 $2,740 $2,844
New York $1,706 $2,148 $3,586
North Carolina $1,058 $1,817 $1,296
North Dakota $1,447 $2,200 $2,601
Ohio $1,290 $1,990 $2,041
Oklahoma $2,061 $2,951 $3,322
Oregon $1,875 $2,516 $3,005
Pennsylvania $1,580 $2,319 $2,713
Rhode Island $2,637 $3,868 $4,356
South Carolina $1,791 $2,482 $3,426
South Dakota $1,607 $2,315 $2,672
Tennessee $1,890 $2,782 $3,705
Texas $1,903 $2,749 $3,420
Utah $1,619 $2,268 $3,121
Vermont $1,246 $1,919 $2,028
Virginia $1,174 $1,802 $1,767
Washington $1,554 $2,109 $2,519
West Virginia $1,564 $2,239 $2,805
Wisconsin $1,559 $2,433 $2,776
Wyoming $1,455 $2,037 $2,170

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: