Lincoln Navigator Car Insurance Cost for 2022

How much is insurance on a Lincoln Navigator? We analyzed rates from the base model up to the Black Label trim to see how cost compared to other large luxury SUVs.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lincoln Navigator with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lincoln Navigator trim levels.Data last updated on August 5, 2022
Lincoln Navigator Insurance Cost Summary
Lincoln Navigator Insurance Cost Summary
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.

2022 Lincoln Navigator Insurance Cost by Trim Level
Lincoln Navigator Trim Level Annual Policy 6-month Policy Per Month
Standard 2WD$1,856$928$155
Standard AWD$1,866$933$156
Reserve 2WD$1,942$971$162
Reserve AWD$1,946$973$162
Reserve L 2WD$1,956$978$163
Reserve L AWD$1,962$981$164
Black Label$1,996$998$166
Black Label L AWD$2,068$1,034$172

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lincoln Navigator, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Lincoln Navigator Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lincoln Navigator, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Lincoln Navigator trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Insurance Cost Comparison: Lincoln Navigator vs Top 10 Large Luxury SUVs
Lincoln Navigator Insurance Cost Compared to All Large Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Volvo XC90$1,650-$298
2Lincoln Navigator$1,948--
3Infiniti QX80$1,982$34
4BMW X7$2,000$52
5Mercedes-Benz GLS450$2,036$88
6Cadillac Escalade$2,064$116
7Lexus LX 570$2,168$220
8BMW Alpina XB7$2,570$622
9Land Rover Range Rover$2,638$690
10Mercedes-Benz G550$2,676$728
11Mercedes-Benz G63 AMG$2,890$942
12Mercedes-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.

Some additional rates in larger cities include Mesa, AZ, at $1,960 per year, Oakland, CA, at $2,758, Memphis, TN, costing $2,402, and Austin, TX, at an estimated $1,772.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Lincoln Navigator, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Lincoln Navigator trim levels.Data last updated on August 5, 2022
Lincoln Navigator Insurance Rates in Large U.S. Cities
Lincoln Navigator Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,672$306
Philadelphia, PA$3,244$270
Los Angeles, CA$3,228$269
San Francisco, CA$2,772$231
Jacksonville, FL$2,760$230
San Jose, CA$2,302$192
Phoenix, AZ$2,236$186
San Diego, CA$2,190$183
Chicago, IL$2,114$176
Dallas, TX$2,078$173
Houston, TX$2,070$173
Indianapolis, IN$1,960$163
San Antonio, TX$1,864$155
Austin, TX$1,772$148
Columbus, OH$1,464$122

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.