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It costs about the same to insure a Lincoln Navigator as the average SUV.
Full coverage for a Navigator normally averages around $148 per month, while liability only car insurance prices run about $77 a month.
At as low as $36 monthly for liability only coverage, Workmens is the most affordable insurance company for a Navigator.
The Lincoln Navigator is a high-end SUV on the more expensive end of the spectrum, with a base price of $76,185 for 2020 models. There's a Navigator for every driver, with a choice of six different trim options.
We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've found that Lincoln Navigator auto insurance rates average out to around $152 per month. But how does that fare against its competitors?
| Current Base Price | $76,185 |
| Body Style(s) | SUV |
| Trim Levels | NAVIGATOR, L BLACK LABEL, L, BLACK LABEL, L RESERVE, RESERVE |
| Average Insurance Premium | $152/mo. |
| Cheapest Insurance Company | Workmens |
Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Lincoln Navigator | $77 | $148 |
| All Lincoln Models | $76 | $157 |
| All SUVs | $80 | $151 |
| Average Insurance Premium | $81 | $169 |
In the table above, you'll see that compared to other vehicles, Lincoln Navigator insurance premiums are cheaper than average. Navigator owners generally pay about $77 a month for liability insurance, and around $148 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").
When you compare it to other Lincoln models, the Navigator is slightly less expensive, with prices about 6% lower than the rest of the manufacturer's vehicle offerings. Compared to SUV offerings from other brands, insurance for a Navigator is also more affordable, with full coverage insurance premiums coming in around 2% less and 4% less for liability only insurance.
When compared to all vehicles, regardless of model, body style, or make, the Navigator follows a similar pattern of having below average car insurance rates.
Insurance Company | Average Monthly Premium |
|---|---|
| Infinity | $25 |
| Shelter Mutual | $33 |
| Clearcover | $35 |
| Workmens | $36 |
| AnswerFinancial | $38 |
If you're searching for a new auto insurance policy for your Lincoln Navigator, you might be wondering which carrier offers the cheapest rates. Even though costs will typically be pretty different from person to person, Infinity offers the cheapest average rates for liability only coverage, with rates as little as just $25 a month. With car insurance as low as just $33 per month, Shelter Mutual is the next lowest auto insurance company.
Clearcover, Workmens, and AnswerFinancial round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.
After all, insurance carriers look at several different variables when calculating rates, so your results might be different. By pulling quotes from a wide array of auto insurance companies at once, you can be sure you're finding the most affordable rate.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less than 1 Year | $82 |
| 2-3 Years | $65 |
| 4-5 Years | $66 |
| 6-7 Years | $62 |
| 8-10 Years | $78 |
| 11-14 Years | $77 |
| 15 Years or Older | $78 |
The Lincoln Navigator has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Navigators begin to depreciate, insurance costs will gradually decrease.
Based on the information in the table above, the Lincoln Navigator follows this trend, as the cheapest models to insure are those that are 6 to 7 years old, while on average, the most expensive models are Navigators that are 1 year old or less.
Age is another factor that plays a significant role in how much you pay for auto insurance. As you can see above, teenage Navigator drivers have higher prices than drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.
Insurance prices continue to go lower as you get older, with the cheapest age group being 45-54 for Navigator drivers.
Gender | Average Monthly Premium |
|---|---|
| Male | $76 |
| Female | $78 |
You may not know, but insurance is usually more expensive for men than for women. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. Surprisingly, when it comes to Navigator drivers specifically, men pay about 3% less than women a month for car insurance.
State | Average Monthly Premium |
|---|---|
| California | $49 |
| Florida | $101 |
| Georgia | $101 |
| Illinois | $49 |
| New York | $177 |
| North Carolina | $46 |
| Ohio | $43 |
| Pennsylvania | $62 |
| Texas | $60 |
| Virginia | $59 |
It may be obvious that factors like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can be equally important? Since insurance is regulated at the state level, rates differ quite a bit depending on what state you live in.
For example, the average Lincoln Navigator owner in New York pays around $177 monthly for liability coverage. Meanwhile, the same Californian driver will pay less than half of that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.
Whatever your home state, your car, or your age, it's always a good idea to take advantage of as many auto insurance discounts as possible.
Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:
Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
Defensive driving discounts for taking a defensive driving class from a certified school or institution
Multi-policy discounts for using the same insurance carrier for both your home and car insurance
Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
These are just a few of the discounts out there. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.
While you may not be able to control every variable insurance carriers use to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the variables you can use to your favor when it comes to saving some cash:
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $88 |
| Multiple Accidents | $117 |
| 1 Ticket | $85 |
| Multiple Tickets | $87 |
You've most likely seen ads from car insurance companies promoting hefty discounts for responsible drivers. It shouldn't come as a surprise that if you get a ticket for speeding or get into an accident, auto insurance prices will get higher. But you're probably wondering exactly how much these infractions will cost you.
If you look at the table above, you'll notice that accidents will usually cost Navigator drivers more than tickets, but both will cause a significant increase in rates. Lincoln Navigator drivers with a single accident on their record pay an average of $88 each month (up $11 from the $77/mo. overall average), while drivers with one ticket will pay about $85 per month. Those who have more than one of either violation will end up paying even more.
Annual Mileage | Average Monthly Premium |
|---|---|
| 0-2,500 Miles | $73 |
| 2,501-5,000 Miles | $80 |
| 5,001-7,500 Miles | $71 |
| 7,501-10,000 Miles | $81 |
| 10,000+ Miles | $75 |
Another factor that plays a role in your car insurance premiums is the amount of miles you drive annually. Those who are on the roads less often are less likely to get into accidents, so they'll typically be offered lower rates. Above, you can see that Lincoln Navigator owners who drive fewer than 2,500 miles every year pay about $73 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $75.
But if you don't drive much because you work from home or have a second vehicle, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
If you're thinking about purchasing a new vehicle and a Lincoln Navigator is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.
Review the table below to see how the Lincoln Navigator stacks up:
Lincoln Navigator | National Average | |
|---|---|---|
| Liability Insurance | $68 | $81 |
| Full Coverage Insurance | $222 | $169 |
| Base MSRP | $76,185 | $46,547 |
| Average Annual Mileage | 10,480 | 11,617 |
Overall, the Lincoln Navigator is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The Navigator has an MSRP of $76,185, a bit higher than the national average vehicle MSRP of $46,547.
Liability insurance for a Lincoln Navigator is about $13 per month less than average, while full coverage is over $50 more per month.
When it comes to usage, Lincoln Navigator owners drive fewer miles annually than the national average, with 10,480 miles per year compared to 11,617 for all vehicles.
The cost of insurance for the Lincoln Navigator is about on par with the average SUV. Liability insurance runs an average of $77 monthly, while full coverage will cost you around $148.
There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from a range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.
You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. Although there are many factors auto insurance carriers examine when they decide how much to charge you for a policy, your vehicle's color is not factored into that equation.
You'll need to have valid car insurance for your Navigator before you can legally drive your it off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to talk with your insurance company before you buy.
There are all sorts of discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Lincoln Navigator you drive, but if your Navigator has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from company to company.
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