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Lincoln Navigator Car Insurance
How much does car insurance cost for your Lincoln Navigator? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your Navigator
What is the Average Cost to Insure a Lincoln Navigator?
Lincoln Navigator
How much does car insurance cost for Lincoln Navigator? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Lincoln Navigator below.
Lincoln Navigator Insurance Model Year by Age Group
The price you pay to insure your Lincoln Navigator can vary based on your age group. Here are the average rates you can expect to pay.
| Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
| 2023 | N/A | N/A | N/A | $2,789.43 / mo | N/A | $163.85 / mo |
| 2022 | N/A | $377.54 / mo | $258.33 / mo | N/A | $241.49 / mo | $142.30 / mo |
| 2021 | N/A | $446.08 / mo | N/A | $212.56 / mo | $130.07 / mo | $304.25 / mo |
| 2020 | N/A | $146.15 / mo | $169.67 / mo | $166.55 / mo | $180.37 / mo | $228.71 / mo |
| 2019 | N/A | $231.30 / mo | $166.58 / mo | $215.67 / mo | N/A | $154.20 / mo |
| 2018 | N/A | $222.42 / mo | $165.07 / mo | $181.97 / mo | N/A | $287.01 / mo |
| 2017 | N/A | N/A | $127.76 / mo | $109.18 / mo | $136.22 / mo | $159.12 / mo |
| 2016 | N/A | $212.21 / mo | $166.05 / mo | $100.14 / mo | $246.16 / mo | $129.03 / mo |
| 2015 | N/A | $89.93 / mo | $138.01 / mo | $112.61 / mo | $143.99 / mo | $136.12 / mo |
| 2014 | N/A | $206.21 / mo | $148.59 / mo | $97.92 / mo | $142.32 / mo | $114.97 / mo |
| 2013 | N/A | $113.38 / mo | $109.42 / mo | $145.54 / mo | $101.20 / mo | $135.40 / mo |
| 2012 | N/A | $122.47 / mo | $162.11 / mo | $114.45 / mo | $125.43 / mo | $128.56 / mo |
| 2011 | N/A | $116.70 / mo | $91.43 / mo | $122.88 / mo | $141.71 / mo | $125.91 / mo |
| 2010 | N/A | $429.22 / mo | $145.87 / mo | $143.74 / mo | $113.86 / mo | $106.97 / mo |
2023 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| State Farm | $1,392.00 / year |
| Mercury | $1,743.00 / year |
| Allied | $2,349.00 / year |
| Allstate | $2,478.00 / year |
| Direct General Insurance | $2,745.00 / year |
| Metropolitan | $3,446.00 / year |
| United Automobile Ins Group | $3,729.00 / year |
| Kemper Auto | Infinity | $4,558.00 / year |
| Dairyland Auto | $16,736.00 / year |
2023 Lincoln Navigator Insurance
Average Cost to Insure
$2,798.29 / year
Cheapest Rate
$1,392.00 / year State Farm
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2022 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Preferred Mutual | $1,461.00 / year |
| Safety Group | $1,749.00 / year |
| Arbella Insurance Group | $1,874.00 / year |
| Norfolk and Dedham Group | $1,950.00 / year |
| Colorado Farm Bureau Mutual | $2,015.00 / year |
| Plymouth Rock Assurance | $2,253.00 / year |
| Direct General Insurance | $2,336.00 / year |
| ACE American Pool | $2,559.00 / year |
| State Farm | $2,608.00 / year |
| National General | $2,685.00 / year |
2022 Lincoln Navigator Insurance
Average Cost to Insure
$2,593.53 / year
Cheapest Rate
$1,461.00 / year Preferred Mutual
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2021 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Nationwide | $226.00 / year |
| Safeco | $601.00 / year |
| Farm Bureau Mutual (IA Group) | $936.00 / year |
| Pioneer State Mutual Ins Co | $1,035.00 / year |
| Wolverine Mutual | $1,191.00 / year |
| Partners Mutual Insurance Co | $1,238.00 / year |
| Esurance | $1,278.00 / year |
| IMT Insurance Company | $1,311.00 / year |
| Pekin Insurance | $1,352.00 / year |
| Hastings Mutual Insurance Co | $1,436.00 / year |
2021 Lincoln Navigator Insurance
Average Cost to Insure
$1,365.10 / year
Cheapest Rate
$226.00 / year Nationwide
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2020 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $663.00 / year |
| Texas Farm Bureau Group | $1,157.00 / year |
| Country | $1,170.00 / year |
| Oregon Mutual | $1,365.00 / year |
| Mutual Of Enumclaw | $1,467.00 / year |
| Auto-Owners Insurance Co | $1,503.00 / year |
| National General | $1,543.00 / year |
| Travelers | $1,747.00 / year |
| American Family | $1,779.00 / year |
| New York Central Mutual Fire | $1,787.00 / year |
2020 Lincoln Navigator Insurance
Average Cost to Insure
$1,601.43 / year
Cheapest Rate
$663.00 / year American National P
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2019 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $336.00 / year |
| Farm Bureau Mutual (IA Group) | $1,356.00 / year |
| National General | $1,432.00 / year |
| New York Central Mutual Fire | $1,545.00 / year |
| Nationwide | $1,563.00 / year |
| Mercury | $1,565.00 / year |
| Kemper Auto | Infinity | $1,800.00 / year |
| CSAA | $1,804.00 / year |
| California Capital | $1,977.00 / year |
| 21st Century | $2,000.00 / year |
2019 Lincoln Navigator Insurance
Average Cost to Insure
$1,245.80 / year
Cheapest Rate
$336.00 / year Safeco
Available Trims
BLACK LABEL 4dr SPORT UTILITY VEHICLE (6cyl)
2018 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $663.00 / year |
| Buckeye Insurance Group | $729.00 / year |
| Acuity | $843.00 / year |
| Nationwide | $927.00 / year |
| SafeAuto | $968.00 / year |
| Central Mutual Insurance Co | $1,076.00 / year |
| Western Reserve | $1,095.00 / year |
| Ohio Mutual Ins Group | $1,125.00 / year |
| Motorists Mutual | $1,187.00 / year |
| Celina Insurance Group | $1,202.00 / year |
2018 Lincoln Navigator Insurance
Average Cost to Insure
$914.13 / year
Cheapest Rate
$663.00 / year American National P
Available Trims
BLACK LABEL 4dr SPORT UTILITY VEHICLE (6cyl)
2017 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $578.00 / year |
| Buckeye Insurance Group | $828.00 / year |
| Pekin Insurance | $835.00 / year |
| Texas Farm Bureau Group | $970.00 / year |
| Safeco | $1,009.00 / year |
| Hastings Mutual Insurance Co | $1,124.00 / year |
| Western Reserve | $1,142.00 / year |
| Westfield | $1,172.00 / year |
| PEMCO | $1,211.00 / year |
| Auto-Owners Insurance Co | $1,232.00 / year |
2017 Lincoln Navigator Insurance
Average Cost to Insure
$931.37 / year
Cheapest Rate
$578.00 / year American National P
Available Trims
L 4dr LIMOUSINE (6cyl)
2016 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Penn National | $890.00 / year |
| Texas Farm Bureau Group | $900.00 / year |
| SafeAuto | $968.00 / year |
| National General | $1,163.00 / year |
| SECURA Insurance | $1,212.00 / year |
| Tennessee Farmers | $1,220.00 / year |
| Mississippi Farm Bureau | $1,422.00 / year |
| MO Farm Bureau Services | $1,457.00 / year |
| Country | $1,571.00 / year |
| Republic Indemnity | $1,647.00 / year |
2016 Lincoln Navigator Insurance
Average Cost to Insure
$1,039.50 / year
Cheapest Rate
$890.00 / year Penn National
Available Trims
L 4dr LIMOUSINE (6cyl)
2015 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $519.00 / year |
| Safeco | $615.00 / year |
| Buckeye Insurance Group | $764.00 / year |
| Virginia Farm Bureau | $995.00 / year |
| SECURA Insurance | $1,072.00 / year |
| Texas Farm Bureau Group | $1,095.00 / year |
| Erie | $1,151.00 / year |
| Safety Group | $1,157.00 / year |
| Kentucky Farm Bureau | $1,172.00 / year |
| Farm Bureau Mutual (IA Group) | $1,299.00 / year |
2015 Lincoln Navigator Insurance
Average Cost to Insure
$877.27 / year
Cheapest Rate
$519.00 / year Direct Auto
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2014 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $457.00 / year |
| American National P | $494.00 / year |
| Texas Farm Bureau Group | $862.00 / year |
| Farmers Mutual of Nebraska | $1,059.00 / year |
| Unitrin | $1,356.00 / year |
| SECURA Insurance | $1,365.00 / year |
| 21st Century | $1,406.00 / year |
| New York Central Mutual Fire | $1,443.00 / year |
| Auto Club | $1,487.00 / year |
| National Grange Mutual | $1,497.00 / year |
2014 Lincoln Navigator Insurance
Average Cost to Insure
$1,520.27 / year
Cheapest Rate
$457.00 / year Safeco
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2013 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Virginia Farm Bureau | $1,023.00 / year |
| Buckeye Insurance Group | $1,056.00 / year |
| Pekin Insurance | $1,081.00 / year |
| MO Farm Bureau Services | $1,112.00 / year |
| Grange Mutual | $1,200.00 / year |
| Auto-Owners Insurance Co | $1,276.00 / year |
| Hastings Mutual Insurance Co | $1,290.00 / year |
| Direct Auto | $1,316.00 / year |
| Texas Farm Bureau Group | $1,404.00 / year |
| Indiana Farmers Mutual Ins | $1,441.00 / year |
2013 Lincoln Navigator Insurance
Average Cost to Insure
$1,488.00 / year
Cheapest Rate
$1,023.00 / year Virginia Farm Bureau
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2012 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Dairyland | $271.00 / year |
| National General Value | $767.00 / year |
| Kemper Personal Insurance | $848.00 / year |
| Safeco | $890.00 / year |
| National General | $980.00 / year |
| Texas Farm Bureau Group | $1,102.00 / year |
| Partners Mutual Insurance Co | $1,313.00 / year |
| Direct Auto | $1,316.00 / year |
| IMT Insurance Company | $1,328.00 / year |
| New York Central Mutual Fire | $1,368.00 / year |
2012 Lincoln Navigator Insurance
Average Cost to Insure
$1,086.53 / year
Cheapest Rate
$271.00 / year Dairyland
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2011 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $219.00 / year |
| AssuranceAmerica Mobile Max | $624.00 / year |
| SECURA Insurance | $755.00 / year |
| North Carolina Farm Bureau | $801.00 / year |
| Mercury Insurance | $804.00 / year |
| Rural Mutual Insurance | $824.00 / year |
| Pekin Insurance | $830.00 / year |
| Virginia Farm Bureau | $853.00 / year |
| National General RAD | $895.00 / year |
| Penn National | $908.00 / year |
2011 Lincoln Navigator Insurance
Average Cost to Insure
$938.17 / year
Cheapest Rate
$219.00 / year Safeco
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2010 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Dairyland | $185.00 / year |
| Safeco | $519.00 / year |
| Pekin Insurance | $625.00 / year |
| Penn National | $780.00 / year |
| SECURA Insurance | $802.00 / year |
| Farm Bureau Mutual (IA Group) | $803.00 / year |
| Virginia Farm Bureau | $822.00 / year |
| Texas Farm Bureau Group | $846.00 / year |
| Mississippi Farm Bureau | $911.00 / year |
| SafeAuto | $957.00 / year |
2010 Lincoln Navigator Insurance
Average Cost to Insure
$926.93 / year
Cheapest Rate
$185.00 / year Dairyland
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
Compare Navigator to other Lincoln Models
Wondering how the Navigator compares to other Lincoln Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
