Lincoln Navigator Car Insurance Cost
Ensuring your Lincoln Navigator with State Farm typically runs about $1,372 annually. However, the actual expense varies based on factors like your age, the year of your car model, and other considerations. Refer to our quote tables below to estimate your specific costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Lincoln Navigator, it’s essential to factor in the cost of insurance. Insurance plays a big role in owning a car, so it’s important to understand the expenses before making a decision.
Choosing the right car insurance is crucial to avoid unexpected and potentially expensive bills later on. You don’t want to be caught with inadequate coverage in case of an accident, leaving you to deal with hefty expenses out of pocket. Plus, there’s the possibility of increased premiums if you’re deemed responsible for an accident.
Having analyzed car insurance rates for over ten years, I’ve observed how much these costs can vary. Your age, driving history, and even your location can significantly impact how much you pay for insurance.
How Much Does Lincoln Navigator Car Insurance Cost?
Typically, State Farm provides the best deal with an average yearly cost of $1,372 for comprehensive insurance coverage on a 2023 Lincoln Navigator.
Although State Farm’s rate serves as a good reference point, it’s essential to recognize that car insurance costs can vary significantly based on various factors. These factors include where you live, your driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record typically results in lower premiums, while a history of accidents or traffic violations can raise your rates.
Moreover, residing in a busy urban area with heavy traffic might lead to higher insurance premiums compared to rural areas with less traffic. The type of coverage you opt for also affects your premium; comprehensive coverage, including both comprehensive and collision coverage, will be pricier than basic liability coverage.
Insuranceopedia is here to assist you in shopping around and comparing quotes from different insurance providers to ensure you secure the best possible deal.
2023 Lincoln Navigator Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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 |
2015 Lincoln Navigator Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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 |
Cost of Lincoln Navigator Car Insurance By Age
| 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
| 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 |
Compare Lincoln Navigator To Other Lincoln Models
- Lincoln Aviator Car Insurance
- Lincoln Continental Car Insurance
- Lincoln Corsair Car Insurance
- Lincoln MKZ Car Insurance
- Lincoln Nautilus Car Insurance
FAQs
Who has the cheapest car insurance for a Lincoln Navigator?
State Farm has the cheapest car insurance for the Lincoln Navigator for the model year 2023.
Which company offers the best car insurance for a Lincoln Navigator?
Based on a combination of having the lowest rates, comprehensive coverage, and top-rated customer service, we believe State Farms offers the best car insurance for a Lincoln Navigator.
