- Lincoln Navigator car insurance costs an average of $1,948 per year, or around $162 per month for full coverage.
- The cheapest Navigator insurance is on the base Standard 2WD trim level at an estimated $1,856 per year. The most expensive is the Black Label L AWD at $2,068 annually.
- The Navigator ranks #2 out of 12 vehicles in the large luxury SUV class for insurance affordability.
- On a state level, insurance rates range from a low of $1,344 per year in Maine to $3,100 in Michigan. Rates in a few larger cities include $2,454 in Oklahoma City, OK, $2,114 in Chicago, IL, and $1,792 in El Paso, TX.
How much does Lincoln Navigator insurance cost?
Lincoln Navigator insurance rates average $1,948 annually for full coverage, or around $162 a month. With the average large luxury SUV costing $2,303 a year to insure, the Lincoln Navigator would save an estimated $355 or more each year.
The chart below demonstrates average car insurance cost for a 2022 Lincoln Navigator using different driver ages and risk profiles.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$4,432||$369|
|Safe Driver Age 20||$3,882||$324|
|At-fault Accidents Age 40||$2,732||$228|
|Low Deductibles Age 40||$2,606||$217|
|Safe Driver Age 30||$2,072||$173|
|Safe Driver Age 40||$1,948||$162|
|Safe Driver Age 50||$1,772||$148|
|Safe Driver Age 60||$1,742||$145|
|Discount Rate Age 40||$1,618||$135|
|High Deductibles Age 40||$1,610||$134|
Which Navigator has the cheapest insurance?
With Lincoln Navigator insurance cost ranging from $1,856 to $2,068 annually for an average driver, the most affordable model to insure is the base Standard 2WD model. The next cheapest trim level to insure is the base Standard AWD model, also at $1,866 per year. On average, plan on paying at least $155 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 AWD, the Black Label, and the Black Label L AWD trim levels at around $1,962, $1,996, and $2,068 per year, respectively.
The next table displays the average auto insurance rates for each 2022 Lincoln Navigator package and trim, for annual, semi-annual, and monthly policy terms.
|Lincoln Navigator Trim Level||Annual Policy||6-month Policy||Per Month|
|Reserve L 2WD||$1,956||$978||$163|
|Reserve L AWD||$1,962||$981||$164|
|Black Label L AWD||$2,068||$1,034||$172|
How does Navigator insurance compare?
When rates are compared to other large luxury SUVs, insurance for a Lincoln Navigator costs $88 less per year than the Mercedes-Benz GLS450, $298 more than the Volvo XC90, $116 less than the Cadillac Escalade, and $52 less than the BMW X7.
The Lincoln Navigator ranks #2 out of 12 comparison vehicles in the 2022 large luxury SUV class. The Navigator costs an average of $1,948 per year for insurance and the category median rate is $2,303 annually, a difference of $355 per year.
The chart below shows how well average Navigator insurance rates compare to other large luxury SUVs.
|7||Lexus LX 570||$2,168||$220|
|8||BMW Alpina XB7||$2,570||$622|
|9||Land Rover Range Rover||$2,638||$690|
|11||Mercedes-Benz G63 AMG||$2,890||$942|
|12||Mercedes-Benz Maybach GLS 600||$3,016||$1,068|
What cities have the cheapest insurance for a Navigator?
Insurance rates on a Lincoln Navigator vary widely, from cheaper rates like $1,308 a year in Virginia Beach, VA, or $1,214 in Raleigh, NC, to expensive rates such as $3,244 a year in Philadelphia, PA, and $3,228 in Los Angeles, CA.
The data below visualizes average car insurance rates for a Lincoln Navigator in the largest cities in America. The average annual cost ranges from $1,464 per year in Columbus, OH, to $3,672 in New York, NY, a difference of $2,208.
|City/State||Annual Rate||Monthly Rate|
|New York, NY||$3,672||$306|
|Los Angeles, CA||$3,228||$269|
|San Francisco, CA||$2,772||$231|
|San Jose, CA||$2,302||$192|
|San Diego, CA||$2,190||$183|
|San Antonio, TX||$1,864||$155|
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 $58 and $159 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 $330 per yearon 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 $2,326 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 $306 per year compared to a slightly lower credit rating between 670-739. Conversely, a mediocre credit score could cost as much as $355 more per year.
- Driver gender influences rates. For a 2022 Lincoln Navigator, a 20-year-old male driver pays an average price of $3,882 per year, while a 20-year-old female will get a rate of $2,864, a difference of $1,018 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,772 and rates for female drivers are $1,736, a difference of only $36.