2022 Lincoln Navigator Car Insurance Calculator

See and learn how changes to different risk factors impact car insurance rates for a 2022 Lincoln Navigator. Play around with factors like driver's age, policy discounts, Navigator trim level, and driving record. Find out instantly if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2022 Lincoln Navigator is $2,732 per year, or about $228 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

$2,732

Cost Per Month

$228

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 2022 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.

$2,732
Average Rate
Your Rate
$2,732

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.

The 'Average Rate' is a combined value for all 2022 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 2022 Lincoln Navigator is $2,732.

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.

2022 Lincoln Navigator Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lincoln Navigator Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC90$2,316-$416
2Lincoln Navigator$2,732--
3Infiniti QX80$2,782$50
4BMW X7$2,804$72
5Mercedes-Benz GLS450$2,854$122
6Cadillac Escalade$2,900$168
7Lexus LX 570$3,040$308
2022 Large Luxury SUV Average$3,232$500
8BMW Alpina XB7$3,604$872
9Land Rover Range Rover$3,704$972
10Mercedes-Benz G550$3,754$1,022
11Mercedes-Benz G63 AMG$4,056$1,324
12Mercedes-Benz Maybach GLS 600$4,232$1,500

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.

2022 Navigator Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lincoln Navigator Insurance Rates by Trim Level
2022 Lincoln Navigator Trim Level Annual Premium Cost Per Month
Standard 2WD$2,604$217
Standard AWD$2,618$218
Reserve 2WD$2,722$227
Reserve AWD$2,726$227
Reserve L 2WD$2,740$228
Reserve L AWD$2,750$229
Black Label$2,802$234
Black Label L AWD$2,900$242

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 2022 Lincoln Navigator for different driver ages.

2022 Lincoln Navigator Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,601$800
17$9,361$780
18$8,501$708
19$7,698$642
20$5,920$493
21$5,649$471
22$5,079$423
23$4,124$344
24$3,920$327
25$3,182$265
30$2,926$244
35$2,804$234
40$2,732$228
45$2,546$212
50$2,408$201
55$2,250$188
60$2,258$188
65$2,408$201
70$2,576$215
75$3,006$251
80$3,704$309

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.