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Lincoln Navigator insurance rates

Average Lincoln Navigator insurance rates

Roslyn McKenna

Updated Apr 27, 2020

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The average insurance costs for a Lincoln Navigator is $159 a month — or $1,908 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors.

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Name	Roadside assistance	New car protection	Safe driver discount	Available states
Progressive	Optional		30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover	Optional		Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford	Optional		Yes	All 50 states & DC	Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Allstate			13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
EverQuote	Optional		Yes	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...
Esurance			40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Metromile	Optional		49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual	Optional		30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi	Optional	Optional	55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Branch	Optional		No	AZ, MO, IL, OH and TX	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...

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Lincoln Navigator car insurance rates

A 2017 Lincoln Navigator starts at a base price of $63,515. With the average insurance rate at $1,908 per year, the annual insurance cost–to–base car price ratio is 3.0%.

Model	Monthly insurance rate	Base car price
Continental	$220.00	$44,720
MKC	$159.00	$32,880
MKT	$157.00	$43,530
MKX	$157.00	$38,260
MKZ	$220.00	$35,170
Navigator	$159.00	$63,515

To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
- 2017 Lincoln Navigator
- 10,001–15,000 miles driven yearly
- No accidents in the past five years
- Anti-theft device on vehicle
- Driver located in New York
- Good credit
Our estimated price is for the state required minimum coverage which includes bodily injury, property damage, uninsured motorist bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
- The Lincoln Navigator’s model year
- The vehicle’s trim
- The amount of coverage you need
- The estimated miles your drive in a year
- The vehicle’s safety and anti-theft features
- The driver’s credit score
- The driver’s location
- The driver’s age
- The driver’s driving history in the past five years
- The driver’s marital status
- Your (or the driver’s) gender
- Whether the driver rents, leases or owns the vehicle

About the Lincoln Navigator

The Lincoln Navigator has been around since 1998 and the fourth generation will be released in 2018. The Navigator was the first non-limousine Lincoln model that seated more than six people. The large luxury SUV is known for its strong engine, good fuel economy, powerful towing ability and large cargo room. The Lincoln Navigator also has one of the lowest base prices for a large luxury SUV with third row seats.

Insurance companies determine the insurance cost for a Lincoln Navigator based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Lincoln shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Lincoln Navigator shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Lincoln Navigator money-saving safety features

You could save money on car insurance for your Lincoln Navigator if it comes equipped with these safety features.

Anti-lock brakes
Stability control
Airbags
Seatbelt pretensioners
Anti theft system

How safe is the Lincoln Navigator?

The 2017 Lincoln Navigator was awarded a 5-Star Overall Safety Rating by the National Highway Traffic Safety Administration (NHTSA). The vehicle scored five stars, the highest rating, in the frontal crash test and the side crash test by the NHTSA. The organization also gave three stars for the rollover crash test.

The latest model of the Lincoln Navigator include blind spot monitoring, side mounted airbags and antilock brakes.

How does the Lincoln Navigator compare to other car models?

From a price standpoint, the Lincoln Navigator ranks right in the middle of our list of the 360 priciest car models to insure.

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Roslyn McKenna

Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on car, life, home and other insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

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Lincoln Navigator insurance rates