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.

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Updated: 04 April 2024
Written by
Bob Phillips
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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

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.

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