Lincoln Navigator Car Insurance Calculator

Get instant feedback how different factors affect car insurance rates for a Lincoln Navigator. Tailor settings like gender of the driver, whether you're married or single, and the state and city you live in to see how rates are impacted. Instantly discover if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2024 Lincoln Navigator is $3,002 per year, or about $250 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$3,002

Cost Per Month

$250

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lincoln Navigator Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lincoln Navigator.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$3,002
Average Rate
Your Rate
$3,002

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lincoln Navigator.

The 'Average Rate' is a combined value for all Lincoln Navigator trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Lincoln Navigator is $3,002.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Lincoln Navigator Segment Comparison

The table below compares insurance rates for the 2024 Lincoln Navigator against all other models in the large luxury SUV segment. The Lincoln Navigator is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lincoln Navigator, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln Navigator.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Lincoln Navigator Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Infiniti QX80$2,626-$376
2Volvo XC90$2,750-$252
3Lexus LX 600$2,942-$60
4BMW X7$2,992-$10
5Lincoln Navigator$3,002--
6Mercedes-Benz GLS450$3,148$146
7Cadillac Escalade$3,256$254
2024 Large Luxury SUV Average$3,627$625
8BMW Alpina XB7$3,820$818
9Mercedes-Benz EQS 580 SUV$4,202$1,200
10Land Rover Range Rover$4,236$1,234
11Mercedes-Benz Maybach GLS 600$4,490$1,488
12Mercedes-Benz G550$4,656$1,654
13Mercedes-Benz G63 AMG$5,036$2,034

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Navigator Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Lincoln Navigator.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Lincoln Navigator Insurance Rates by Trim Level
2024 Lincoln Navigator Trim Level Annual Premium Cost Per Month
Premier$2,790$233
Reserve$2,962$247
Reserve L$2,996$250
Black Label$3,116$260
Black Label L$3,140$262

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Lincoln Navigator for different driver ages.

2024 Lincoln Navigator Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,741$895
17$10,433$869
18$9,393$783
19$8,525$710
20$6,529$544
21$6,228$519
22$5,580$465
23$4,551$379
24$4,310$359
25$3,492$291
30$3,208$267
35$3,082$257
40$3,002$250
45$2,804$234
50$2,650$221
55$2,476$206
60$2,482$207
65$2,654$221
70$2,862$239
75$3,364$280
80$4,156$346

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lincoln Navigator trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lincoln Navigator.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lincoln Navigator Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Lincoln Navigator$3,002$250
2023 Lincoln Navigator$2,822$235
2022 Lincoln Navigator$2,732$228
2021 Lincoln Navigator$2,624$219
2020 Lincoln Navigator$2,538$212
2019 Lincoln Navigator$2,506$209
2018 Lincoln Navigator$2,364$197
2017 Lincoln Navigator$2,156$180
2016 Lincoln Navigator$1,998$167
2015 Lincoln Navigator$1,838$153
2014 Lincoln Navigator$1,784$149
2013 Lincoln Navigator$1,708$142

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lincoln Navigator trim levels for each model year.