Lincoln Navigator Insurance Cost

Auto insurance for a Lincoln Navigator will cost about $1,850 per year.

This beats the national average for luxury SUV models by $44. 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 $6,267 $9,202 $10,765
18 $5,840 $8,576 $10,032
19 $5,161 $7,579 $8,866
20 $4,500 $6,608 $7,731
21 $3,774 $5,542 $6,483
22 $3,675 $5,397 $6,314
23 $3,216 $4,722 $5,524
24 $3,055 $4,486 $5,248
25 $2,637 $3,872 $4,529
30 $2,054 $3,016 $3,528
35 $1,924 $2,825 $3,304
40 $1,850 $2,717 $3,178
45 $1,800 $2,644 $3,093
55 $1,651 $2,424 $2,836
65 $1,722 $2,529 $2,958
75 $2,174 $3,192 $3,734

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 $1,960 $2,847 $3,624
Alaska $1,621 $2,248 $2,185
Arizona $1,833 $2,650 $3,904
Arkansas $2,010 $3,158 $3,477
California $2,238 $3,957 $2,238
Colorado $2,088 $2,922 $3,708
Connecticut $2,668 $4,137 $5,252
Delaware $2,209 $2,943 $3,780
Florida $2,630 $3,638 $4,741
Georgia $2,144 $3,206 $3,232
Hawaii $856 $1,163 $856
Idaho $1,488 $1,972 $2,398
Illinois $1,557 $2,354 $2,684
Indiana $1,600 $2,446 $2,745
Iowa $1,267 $1,738 $2,044
Kansas $1,686 $2,453 $2,869
Kentucky $2,437 $3,578 $4,225
Louisiana $3,129 $4,729 $5,128
Maine $1,183 $1,635 $2,414
Maryland $1,915 $2,787 $3,095
Massachusetts $1,535 $2,678 $1,535
Michigan $3,705 $5,646 $8,905
Minnesota $1,525 $2,034 $2,863
Mississippi $1,841 $2,626 $2,643
Missouri $1,735 $2,480 $3,258
Montana $1,764 $2,461 $2,865
Nebraska $1,491 $2,205 $2,395
Nevada $2,459 $3,648 $3,853
New Hampshire $1,711 $2,705 $3,420
New Jersey $1,885 $2,957 $3,870
New Mexico $1,925 $2,863 $2,972
New York $1,783 $2,245 $3,747
North Carolina $1,105 $1,899 $1,354
North Dakota $1,512 $2,299 $2,718
Ohio $1,348 $2,080 $2,133
Oklahoma $2,153 $3,083 $3,472
Oregon $1,960 $2,629 $3,140
Pennsylvania $1,651 $2,423 $2,835
Rhode Island $2,756 $4,042 $4,552
South Carolina $1,871 $2,594 $3,580
South Dakota $1,679 $2,419 $2,792
Tennessee $1,975 $2,907 $3,871
Texas $1,989 $2,873 $3,574
Utah $1,692 $2,371 $3,262
Vermont $1,302 $2,006 $2,120
Virginia $1,227 $1,883 $1,846
Washington $1,624 $2,204 $2,632
West Virginia $1,634 $2,340 $2,932
Wisconsin $1,629 $2,543 $2,900
Wyoming $1,521 $2,129 $2,267

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: