- Lincoln Navigator car insurance costs an average of $3,076 per year, or around $256 per month for full coverage.
- The cheapest Navigator insurance is on the base Premier trim level at an estimated $2,858 per year. The most expensive is the Black Label L at $3,216 annually.
- The Navigator ranks fifth out of 13 vehicles in the large luxury SUV class for insurance affordability.
- On a state level, insurance rates range from a low of $2,336 per year in Maine to $3,700 in Michigan. Rates in a few larger cities include $3,670 in Oklahoma City, OK, $3,324 in Chicago, IL, and $2,990 in El Paso, TX.
How much does Lincoln Navigator insurance cost?
Lincoln Navigator insurance rates average $3,076 annually for full coverage, or around $256 a month. With the average large luxury SUV costing $3,716 a year to insure, the Lincoln Navigator would save an estimated $640 or more each year.
The chart below demonstrates average car insurance cost for a 2024 Lincoln Navigator using different driver ages and risk profiles.
Which Navigator has the cheapest insurance?
With Lincoln Navigator insurance cost ranging from $2,858 to $3,216 annually for an average driver, the most affordable model to insure is the base Premier model. The next cheapest trim level to insure is the base Reserve model, also at $3,036 per year. On average, plan on paying at least $238 per month for a policy with full coverage.
For the higher-priced trim levels, the three most expensive Navigator trim levels to insure are the Lincoln Navigator Reserve L, the Black Label, and the Black Label L trim levels at around $3,068, $3,190, and $3,216 per year, respectively.
The next table displays the average auto insurance rates for each 2024 Lincoln Navigator package and trim, for annual, semi-annual, and monthly policy terms.
| 2024 Lincoln Navigator Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premier | $2,858 | $238 |
| Reserve | $3,036 | $253 |
| Reserve L | $3,068 | $256 |
| Black Label | $3,190 | $266 |
| Black Label L | $3,216 | $268 |
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. Updated October 24, 2025
How does Navigator insurance compare?
When rates are compared to other large luxury SUVs, insurance for a Lincoln Navigator costs $148 less per year than the Mercedes-Benz GLS450, $262 more than the Volvo XC90, $258 less than the Cadillac Escalade, and $10 more than the BMW X7.
The Lincoln Navigator ranks fifth out of 13 comparison vehicles in the 2024 large luxury SUV class. The Navigator costs an average of $3,076 per year for insurance and the category median rate is $3,716 annually, a difference of $640 per year.
The chart below shows how well average Navigator insurance rates compare to other large luxury SUVs.
Lincoln Navigator insurance rates by location
Insurance rates on a Lincoln Navigator vary widely, from cheaper rates like $2,488 a year in Virginia Beach, VA, or $2,394 in Raleigh, NC, to expensive rates such as $4,486 a year in Philadelphia, PA, and $4,468 in Los Angeles, CA.
Some additional rates in larger cities include Mesa, AZ, at $3,164 per year, Oakland, CA, at $3,984, Memphis, TN, costing $3,618, and Austin, TX, at an estimated $2,968.
The data below visualizes average car insurance rates for a Lincoln Navigator in the largest cities in America.
Additional Rates and Information
Covering all possible insurance rates for a vehicle is pretty much impossible in one article, but here are some additional rates and also some possible discounts that could save you some money.
- Your employer could lower your rates. Many insurance companies offer discounts for occupations like the military, farmers, police officers and law enforcement, emergency medical technicians, accountants, and other occupations. By qualifying for this discount, you could save between $92 and $233 on your yearly Navigator insurance premium, subject to policy limits.
- Qualify for discounts to save money. Discounts may be available if the insureds choose electronic billing, are away-from-home students, insure their home and car with the same company, are good students, belong to certain professional organizations, or many other discounts which could save the average driver as much as $528 per year on the cost of insuring a Navigator.
- High risk insurance is expensive. For a 40-year-old driver, having a tendency to get into accidents or receive violations can increase the cost by $3,764 or more per year.
- Excellent credit scores get the best rates. In states that allow insurance companies to use an insured’s credit rating for generating rates, having a credit score over 800 can possibly save as much as $483 per year compared to a slightly lower credit rating between 670-739. Conversely, a mediocre credit score could cost as much as $560 more per year.
- Driver gender influences rates. For a 2024 Lincoln Navigator, a 20-year-old male driver pays an average price of $6,236 per year, while a 20-year-old female will get a rate of $4,454, a difference of $1,782 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $2,716 and rates for female drivers are $2,648, a difference of only $68.