Lincoln Navigator Car Insurance Cost 2025
The average cost to insure a Lincoln Navigator is $2,800 per year, but the exact price can vary depending on factors such as your age, driving history, location, and the model year of your vehicle. Insurance rates also depend on the type of coverage you choose, with full coverage policies typically costing more than minimum liability coverage. To get the most accurate estimate for your specific situation, you can use our quote tables below to compare rates from different insurance providers.
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The average cost to insure a 2025 Lincoln Navigator is approximately $2,800 per year, though individual rates can vary widely based on personal factors. As a full-size luxury SUV, the Navigator comes with a higher insurance price tag due to its high market value, powerful engine, and advanced tech features.
Insurers also factor in repair costs and theft risk when determining premiums. However, the Navigator’s strong safety ratings can help reduce insurance expenses.
Drivers with clean records, higher deductibles, or eligibility for discounts such as bundling or usage-based programs may find significantly lower rates with the right provider.
How Much Does Lincoln Navigator Car Insurance Cost?
Lincoln Navigator drivers typically pay an average of $2,800 per year for car insurance. However, actual rates can vary based on factors such as the driver’s age, location, driving history, and the specific model year of the vehicle. Comparing quotes from multiple insurance providers can help find the best rate for your individual profile.
It’s crucial to recognize that car insurance costs can vary significantly based on several factors, including location, driving history, vehicle model year, and coverage options. Maintaining a clean driving record can help lower premiums, while a history of accidents or traffic violations may lead to higher costs. Additionally, urban areas with heavy traffic tend to have higher insurance rates than rural locations. The type of coverage chosen also affects premiums—comprehensive insurance, which includes both collision and comprehensive coverage, generally costs more than minimum liability coverage. As shown in the table below, insurance for a Lincoln Navigator is lower than the average cost of all Lexus models but remains cheaper than the average for all cars. Insuranceopedia can help you compare quotes from various auto insurance companies to find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Lincoln Navigator | $149 |
| All Lincolns | $158 |
| All Cars | $175 |
Average Insurance Cost Of Lincoln Navigator By Model Year
| Model Year | Average Premium |
| 2025 Lincoln Navigator | $2,073 |
| 2023 Lincoln Navigator | $4,355 |
| 2022 Lincoln Navigator | $1,980 |
| 2021 Lincoln Navigator | $922 |
| 2020 Lincoln Navigator | $1,415 |
| 2019 Lincoln Navigator | $1,181 |
| 2018 Lincoln Navigator | $1,000 |
| 2017 Lincoln Navigator | $988 |
| 2016 Lincoln Navigator | $1,187 |
| 2015 Lincoln Navigator | $894 |
| 2014 Lincoln Navigator | $951 |
| 2013 Lincoln Navigator | $973 |
| 2012 Lincoln Navigator | $947 |
| 2011 Lincoln Navigator | $733 |
| 2010 Lincoln Navigator | $609 |
2025 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2025 Lincoln Navigator is $2,073. However, State Farm offers the cheapest rates, averaging $1,394 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,394 |
| USAA | $1,862 |
| Travelers | $1,963 |
| Westfield | $1,974 |
| Motorists Mutual | $2,151 |
| Kentucky Farm Bureau | $2,220 |
| State Auto | $2,211 |
| Shelter | $2,304 |
| Allstate | $2,309 |
| Cincinnati Insurance | $2,346 |
2023 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2023 Lincoln Navigator is $4,355. However, State Farm offers the cheapest rates, averaging $1,372 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,372 |
| Mercury | $1,758 |
| Allied | $2,349 |
| Allstate | $2,476 |
| Direct General Insurance | $2,738 |
| Metropolitan | $3,462 |
| United Automobile Ins Group | $3,732 |
| Kemper Auto | Infinity | $4,569 |
| Dairyland Auto | $16,735 |
2022 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2022 Lincoln Navigator is $1,980. However, Preferred Mutual offers the cheapest rates, averaging $1,480 per year.
| Insurance Provider | Average Annual Cost |
| Preferred Mutual | $1,480 |
| Safety Group | $1,752 |
| Arbella Insurance Group | $1,869 |
| Norfolk and Dedham Group | $1,940 |
| Colorado Farm Bureau Mutual | $2,034 |
| Oregon Mutual | $2,034 |
| Central Mutual Insurance Co | $2,103 |
| Mutual Of Enumclaw | $2,111 |
| Sentry | $2,205 |
| Plymouth Rock Assurance | $2,270 |
2021 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2021 Lincoln Navigator is $922. However, Direct Auto offers the cheapest rates, averaging $475 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $475 |
| Victoria | $548 |
| Safeco | $622 |
| American National P | $725 |
| Pioneer State Mutual Ins Co | $1,046 |
| Plymouth Rock Assurance | $1,115 |
| EMC Insurance | $1,116 |
| Farm Bureau Mutual (IA Group) | $1,167 |
| Wolverine Mutual | $1,175 |
| Partners Mutual Insurance Co | $1,230 |
2020 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2020 Lincoln Navigator is $1,415. However, American National P offers the cheapest rates, averaging $657 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $657 |
| Texas Farm Bureau Group | $1,163 |
| Country | $1,160 |
| Oregon Mutual | $1,368 |
| Mutual Of Enumclaw | $1,456 |
| Auto-Owners Insurance Co | $1,491 |
| National General | $1,549 |
| New York Central Mutual Fire | $1,669 |
| American Family | $1,789 |
| Direct Auto | $1,847 |
2019 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2019 Lincoln Navigator is $1,181. However, Safeco offers the cheapest rates, averaging $343 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $343 |
| Direct Auto | $856 |
| Titan | $937 |
| Texas Farm Bureau Group | $1,093 |
| Utica National Ins Group | $1,244 |
| North Carolina Farm Bureau | $1,357 |
| ACCC Insurance Company | $1,401 |
| SECURA Insurance | $1,479 |
| Farm Bureau Mutual (IA Group) | $1,480 |
| New Jersey Manufacturers | $1,616 |
2018 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2018 Lincoln Navigator is $1,000. However, American National P offers the cheapest rates, averaging $607 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $607 |
| Buckeye Insurance Group | $726 |
| Direct Auto | $889 |
| SafeAuto | $981 |
| Central Mutual Insurance Co | $1,069 |
| Virginia Farm Bureau | $1,066 |
| Western Reserve | $1,077 |
| Ohio Mutual Ins Group | $1,130 |
| Celina Insurance Group | $1,213 |
| PEMCO | $1,246 |
2017 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2017 Lincoln Navigator is $988. However, American National P offers the cheapest rates, averaging $654 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $654 |
| Buckeye Insurance Group | $821 |
| West Bend Mutual | $911 |
| Wolverine Mutual | $955 |
| Safeco | $999 |
| Texas Farm Bureau Group | $1,046 |
| Rural Mutual Insurance | $1,059 |
| Pekin Insurance | $1,086 |
| Western Reserve | $1,149 |
| EMC Insurance | $1,202 |
2016 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2016 Lincoln Navigator is $1,187. However, Pekin Insurance offers the cheapest rates, averaging $950 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $950 |
| Texas Farm Bureau Group | $1,061 |
| New Jersey Manufacturers | $1,085 |
| National General | $1,108 |
| Rockford Mutual Insurance | $1,199 |
| SECURA Insurance | $1,226 |
| Tennessee Farmers | $1,231 |
| North Carolina Farm Bureau | $1,306 |
| Penn National | $1,338 |
| Titan | $1,364 |
Find Affordable Lincoln Navigator Insurance Rates
2015 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2015 Lincoln Navigator is $894. However, American National P offers the cheapest rates, averaging $640 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $640 |
| Safeco | $713 |
| Direct Auto | $741 |
| Concord Group | $728 |
| Buckeye Insurance Group | $876 |
| Countryway Insurance | $1,002 |
| Virginia Farm Bureau | $1,002 |
| Texas Farm Bureau Group | $1,088 |
| Kemper Auto | Infinity | $1,089 |
| Farm Bureau Mutual (IA Group) | $1,060 |
2014 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2014 Lincoln Navigator is $951. However, American National P offers the cheapest rates, averaging $445 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $445 |
| Safeco | $439 |
| Buckeye Insurance Group | $684 |
| Ohio Mutual Ins Group | $949 |
| MO Farm Bureau Services | $1,049 |
| Texas Farm Bureau Group | $1,128 |
| Western Reserve | $1,158 |
| Loya Insurance | $1,141 |
| Tennessee Farmers | $1,245 |
| First Chicago Insurance | $1,267 |
2013 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2013 Lincoln Navigator is $973. However, SECURA Insurance offers the cheapest rates, averaging $748 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $748 |
| Buckeye Insurance Group | $876 |
| Farm Bureau Mutual (IA Group) | $929 |
| Direct Auto | $969 |
| American National P | $997 |
| Utica National Ins Group | $1,012 |
| Ohio Mutual Ins Group | $1,007 |
| Virginia Farm Bureau | $1,015 |
| North Carolina Farm Bureau | $1,087 |
| Pekin Insurance | $1,087 |
2012 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2012 Lincoln Navigator is $947. However, Dairyland offers the cheapest rates, averaging $473 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $473 |
| Kemper Personal Insurance | $757 |
| National General Value | $787 |
| Penn National | $800 |
| Utica National Ins Group | $931 |
| Safeco | $968 |
| ALFA | $1,149 |
| Mississippi Farm Bureau | $1,192 |
| Texas Farm Bureau Group | $1,210 |
| New York Central Mutual Fire | $1,198 |
2011 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2011 Lincoln Navigator is $743. However, Safeco offers the cheapest rates, averaging $240 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $240 |
| Kemper Auto | Infinity | $426 |
| AssuranceAmerica Mobile Max | $633 |
| American National P | $763 |
| Mercury Insurance | $822 |
| Rural Mutual Insurance | $826 |
| SECURA Insurance | $814 |
| Virginia Farm Bureau | $867 |
| National General RAD | $916 |
| Buckeye Insurance Group | $1,023 |
2010 Lincoln Navigator Insurance Rates
The average annual insurance cost for a 2010 Lincoln Navigator is $609. However, Dairyland offers the cheapest rates, averaging $182 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $182 |
| Jupiter Auto Insurance | $273 |
| American National P | $482 |
| Safeco | $536 |
| Pekin Insurance | $677 |
| Buckeye Insurance Group | $681 |
| Loya Insurance | $786 |
| PEMCO | $824 |
| SECURA Insurance | $812 |
| Virginia Farm Bureau | $841 |
Find Affordable Lincoln Navigator Insurance Rates
Are Lincoln Navigators Expensive To Insure?
The 2025 Lincoln Navigator, a full-size luxury SUV, typically incurs higher insurance premiums due to its substantial value and advanced features. On average, insuring this model costs approximately $2,803 annually, equating to about $233 per month for a 40-year-old driver with a clean record and full coverage . However, rates can vary significantly based on factors such as driving history, location, and chosen coverage levels. To obtain the most accurate and affordable rates, it’s advisable to compare quotes from multiple insurers and explore available discounts tailored to your profile.
Cost of Lincoln Navigator Car Insurance By Age
Age is a crucial factor in determining car insurance rates. Teenagers tend to pay the highest premiums due to their higher likelihood of being involved in accidents. However, as drivers gain more experience and maintain a clean record, their premiums typically decrease, reflecting a lower insurance risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,476 | $10,973 | $12,811 |
| 18 | $6,934 | $10,207 | $11,924 |
| 19 | $6,124 | $9,037 | $10,575 |
| 20 | $5,367 | $7,853 | $9,224 |
| 21 | $4,488 | $6,588 | $7,716 |
| 22 | $4,358 | $6,424 | $7,517 |
| 23 | $3,823 | $5,630 | $6,568 |
| 24 | $3,637 | $5,361 | $6,228 |
| 25 | $3,119 | $4,615 | $5,410 |
| 30 | $2,436 | $3,596 | $4,185 |
| 35 | $2,282 | $3,372 | $3,941 |
| 40 | $2,193 | $3,248 | $3,794 |
| 45 | $2,148 | $3,131 | $3,668 |
| 55 | $1,959 | $2,892 | $3,364 |
| 65 | $2,068 | $2,998 | $3,524 |
| 75 | $2,586 | $3,821 | $4,430 |
Lincoln Navigator Car Insurance Rates By State
Your location significantly impacts how insurance companies determine rates. Each state has its own auto insurance regulations, which can lead to variations in premiums. For example, Michigan drivers often face higher rates due to the state’s requirement for more extensive coverage. Additionally, climate conditions play a role, as states prone to extreme weather events like hurricanes, storms, and flooding may have higher insurance costs. Crime and accident statistics in your area, including car thefts, crashes, and fatality rates, also influence the price you pay. Insurance providers take all these factors into account when calculating your Lincoln Navigator insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,341 | $3,400 | $4,313 |
| Alaska | $1,939 | $2,697 | $2,588 |
| Arizona | $2,177 | $3,168 | $4,663 |
| Arkansas | $2,396 | $3,780 | $4,124 |
| California | $2,660 | $4,713 | $2,684 |
| Colorado | $2,478 | $3,470 | $4,412 |
| Connecticut | $3,162 | $4,925 | $6,260 |
| Delaware | $2,628 | $3,520 | $4,515 |
| Florida | $3,137 | $4,335 | $5,631 |
| Hawaii | $1,017 | $1,365 | $1,015 |
| Idaho | $1,775 | $2,360 | $2,862 |
| Illinois | $1,847 | $2,812 | $3,183 |
| Indiana | $1,896 | $2,913 | $3,257 |
| Iowa | $1,491 | $2,068 | $2,426 |
| Kansas | $2,005 | $2,908 | $3,405 |
| Kentucky | $2,888 | $4,249 | $5,028 |
| Louisiana | $3,738 | $5,612 | $6,122 |
| Maine | $1,396 | $1,937 | $2,866 |
| Maryland | $2,279 | $3,338 | $3,678 |
| Massachusetts | $1,849 | $3,210 | $1,827 |
| Michigan | $4,429 | $6,741 | $10,602 |
| Minnesota | $1,804 | $2,424 | $3,407 |
| Mississippi | $2,196 | $3,146 | $3,166 |
| Missouri | $2,064 | $2,952 | $3,859 |
| Montana | $2,119 | $2,941 | $3,401 |
| Nebraska | $1,757 | $2,644 | $2,872 |
| Nevada | $2,936 | $4,335 | $4,575 |
| New Hampshire | $2,047 | $3,202 | $4,067 |
| New Jersey | $2,231 | $3,538 | $4,613 |
| New Mexico | $2,280 | $3,405 | $3,552 |
| New York | $2,125 | $2,684 | $4,450 |
| North Carolina | $1,335 | $2,250 | $1,631 |
| North Dakota | $1,785 | $2,729 | $3,229 |
| Ohio | $1,603 | $2,462 | $2,560 |
| Oklahoma | $2,562 | $3,691 | $4,115 |
| Oregon | $2,323 | $3,123 | $3,752 |
| Pennsylvania | $1,976 | $2,887 | $3,393 |
| Rhode Island | $3,285 | $4,817 | $5,430 |
| South Carolina | $2,239 | $3,074 | $4,247 |
| South Dakota | $2,000 | $2,896 | $3,318 |
| Tennessee | $2,358 | $3,459 | $4,594 |
| Texas | $2,388 | $3,404 | $4,260 |
| Utah | $2,031 | $2,834 | $3,867 |
| Vermont | $1,551 | $2,391 | $2,539 |
| Virginia | $1,459 | $2,238 | $2,202 |
| Washington | $1,928 | $2,634 | $3,124 |
| West Virginia | $1,963 | $2,800 | $3,508 |
| Wisconsin | $1,922 | $3,009 | $3,433 |
| Wyoming | $1,831 | $2,529 | $2,695 |
| Georgia | $2,536 | $3,834 | $3,830 |
Find Affordable Lincoln Navigator Insurance Rates
Cheapest Car Insurance Companies For A Lincoln Navigator
Allied offers the most affordable coverage, with an estimated annual cost of $1,450, which breaks down to around $121 per month. State Farm is also budget-friendly, with a yearly premium of $1,372 or about $114 monthly. Nationwide comes in slightly higher at $1,298 annually, translating to $108 per month. Erie provides coverage for approximately $1,703 per year, or $142 each month. GEICO rounds out the list with an annual premium of $1,717, equating to $143 monthly.
| Insurance Company | Average Monthly |
| Allied | $121 |
| State Farm | $114 |
| Nationwide | $108 |
| Erie | $142 |
| GEICO | $143 |
Common Lincoln Navigator Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Ways To Save On Lincoln Navigator Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Lincoln Navigator insurance costs low. Speeding tickets or accidents can cause your premiums to rise. For instance, Lincoln Navigator drivers with a ticket on their record can expect to pay around $86 per month, while those with multiple accidents will pay an average of $119 per month. By avoiding such incidents, you can help keep your insurance costs down.
Additionally, drivers with lower annual mileage tend to pay less for Lincoln Navigator insurance, as they have fewer opportunities to get into accidents, making them a lower risk to insure. Lincoln Navigator drivers who drive between 7,501 and 10,000 miles annually typically pay around $82 per month, while those who drive more than 10,000 miles per year can expect to pay $76 per month.
Compare Lincoln Navigator To Other Lincoln Models
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Please note that the figures provided in this guide may vary based on your individual circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Lincoln Navigator?
Yes, you’ll need to provide proof of insurance before driving your Lincoln Navigator off the dealership lot. It’s best to purchase a policy beforehand and notify your insurance company that you’re about to buy the car, rather than getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Lincoln Navigator?
The best way to find the cheapest rates for your Lincoln Navigator is by shopping around and comparing quotes from different auto insurance companies. Thankfully, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers right on our website.
