2023 Lincoln Navigator Car Insurance Calculator

View in real-time how seemingly small changes affect car insurance rates for a 2023 Lincoln Navigator. Customize choices like trim level, driving violations, and policy coverages and see their impact on rates. Instantly discover the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2023 Lincoln Navigator is $2,822 per year, or about $235 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

$2,822

Cost Per Month

$235

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 2023 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.

$2,822
Average Rate
Your Rate
$2,822

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 2023 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 2023 Lincoln Navigator is $2,822.

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.

2023 Lincoln Navigator Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lincoln Navigator Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC90$2,358-$464
2Lincoln Navigator$2,822--
3Infiniti QX80$2,846$24
4BMW X7$2,900$78
5Mercedes-Benz GLS450$2,914$92
6Cadillac Escalade$3,160$338
7Lexus LX 570$3,210$388
2023 Large Luxury SUV Average$3,359$537
8Mercedes-Benz EQS 580 SUV$3,420$598
9BMW Alpina XB7$3,702$880
10Mercedes-Benz G550$3,854$1,032
11Land Rover Range Rover$3,970$1,148
12Mercedes-Benz G63 AMG$4,166$1,344
13Mercedes-Benz Maybach GLS 600$4,348$1,526

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.

2023 Navigator Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Lincoln Navigator Insurance Rates by Trim Level
2023 Lincoln Navigator Trim Level Annual Premium Cost Per Month
Standard 2WD$2,668$222
Standard AWD$2,714$226
Reserve L 2WD$2,768$231
Reserve L AWD$2,796$233
Reserve 2WD$2,840$237
Reserve AWD$2,866$239
Black Label L AWD$2,932$244
Black Label AWD$3,012$251

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 2023 Lincoln Navigator for different driver ages.

2023 Lincoln Navigator Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,869$822
17$9,617$801
18$8,726$727
19$7,909$659
20$6,089$507
21$5,814$485
22$5,225$435
23$4,261$355
24$4,041$337
25$3,284$274
30$3,020$252
35$2,898$242
40$2,822$235
45$2,634$220
50$2,488$207
55$2,324$194
60$2,330$194
65$2,484$207
70$2,660$222
75$3,100$258
80$3,808$317

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.