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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 |
| 2022 | N/A | $223.22 / mo | $222.85 / mo | N/A | $138.40 / mo | $171.72 / mo |
| 2021 | $0.00 / mo | $182.53 / mo | $155.32 / mo | $181.03 / mo | $225.21 / mo | $151.81 / mo |
| 2020 | N/A | N/A | $195.97 / mo | $219.14 / mo | $153.32 / mo | $157.98 / mo |
| 2019 | $224.07 / mo | $261.00 / mo | $123.06 / mo | $191.18 / mo | $98.97 / mo | $151.03 / mo |
| 2018 | $352.72 / mo | N/A | $167.54 / mo | $115.86 / mo | $100.95 / mo | $111.24 / mo |
| 2017 | N/A | $382.67 / mo | $181.90 / mo | $133.11 / mo | $166.32 / mo | $145.76 / mo |
| 2016 | $0.00 / mo | $148.30 / mo | $182.65 / mo | $92.69 / mo | $117.24 / mo | $150.73 / mo |
| 2015 | N/A | $168.31 / mo | $123.89 / mo | $158.49 / mo | $117.85 / mo | $135.59 / mo |
| 2014 | N/A | $297.61 / mo | $102.16 / mo | $101.59 / mo | $137.06 / mo | $135.41 / mo |
| 2013 | N/A | $127.64 / mo | $115.14 / mo | $146.11 / mo | $96.55 / mo | $158.25 / mo |
| 2012 | N/A | $125.99 / mo | $123.07 / mo | $129.68 / mo | $135.76 / mo | $116.37 / mo |
| 2011 | N/A | $123.31 / mo | $125.20 / mo | $140.25 / mo | $115.28 / mo | $133.31 / mo |
| 2010 | N/A | $171.21 / mo | $119.12 / mo | $96.84 / mo | $114.78 / mo | $103.75 / mo |
2022 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SECURA Insurance | $1,056.00 / year |
| USAA | $1,920.00 / year |
| Oregon Mutual | $2,025.00 / year |
| Hastings Mutual Insurance Co | $2,025.00 / year |
| Central Mutual Insurance Co | $2,082.00 / year |
| Mutual Of Enumclaw | $2,099.00 / year |
| Country | $2,165.00 / year |
| Sentry | $2,201.00 / year |
| Georgia Farm Bureau | $2,293.00 / year |
| Nationwide | $2,373.00 / year |
2022 Lincoln Navigator Insurance
Average Cost to Insure
$2,376.00 / year
Cheapest Rate
$1,056.00 / year SECURA Insurance
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2021 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $471.00 / year |
| Victoria | $563.00 / year |
| American National P | $740.00 / year |
| Pioneer State Mutual Ins Co | $1,035.00 / year |
| EMC Insurance | $1,128.00 / year |
| Wolverine Mutual | $1,191.00 / year |
| Farmers Mutual of Nebraska | $1,254.00 / year |
| New York Central Mutual Fire | $1,392.00 / year |
| Farm Bureau Mutual (IA Group) | $1,397.00 / year |
| Hastings Mutual Insurance Co | $1,748.00 / year |
2021 Lincoln Navigator Insurance
Average Cost to Insure
$1,676.43 / year
Cheapest Rate
$471.00 / year Direct Auto
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2020 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| New York Central Mutual Fire | $1,392.00 / year |
| Direct Auto | $1,849.00 / year |
| Grange Mutual | $1,923.00 / year |
| North Carolina Farm Bureau | $1,959.00 / year |
| Mercury | $1,965.00 / year |
| 21st Century | $2,067.00 / year |
| Shelter | $2,082.00 / year |
| Cincinnati Insurance | $2,168.00 / year |
| California Capital | $2,236.00 / year |
| Kentucky Farm Bureau | $2,358.00 / year |
2020 Lincoln Navigator Insurance
Average Cost to Insure
$2,292.00 / year
Cheapest Rate
$1,392.00 / year New York Central Mutual Fire
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2019 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $874.00 / year |
| Titan | $933.00 / year |
| Texas Farm Bureau Group | $1,089.00 / year |
| Utica National Ins Group | $1,251.00 / year |
| North Carolina Farm Bureau | $1,358.00 / year |
| ACCC Insurance Company | $1,382.00 / year |
| SECURA Insurance | $1,466.00 / year |
| Farm Bureau Mutual (IA Group) | $1,599.00 / year |
| New Jersey Manufacturers | $1,607.00 / year |
| GMAC Insurance Group | $1,679.00 / year |
2019 Lincoln Navigator Insurance
Average Cost to Insure
$1,800.93 / year
Cheapest Rate
$874.00 / year Direct Auto
Available Trims
BLACK LABEL 4dr SPORT UTILITY VEHICLE (6cyl)
2018 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $518.00 / year |
| Direct Auto | $908.00 / year |
| Virginia Farm Bureau | $1,086.00 / year |
| PEMCO | $1,242.00 / year |
| Capital Insurance Group | $1,334.00 / year |
| West Bend Mutual | $1,344.00 / year |
| Oregon Mutual | $1,352.00 / year |
| Texas Farm Bureau Group | $1,368.00 / year |
| Clearcover | $1,396.00 / year |
| USAA | $1,418.00 / year |
2018 Lincoln Navigator Insurance
Average Cost to Insure
$1,423.33 / year
Cheapest Rate
$518.00 / 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 | $708.00 / year |
| West Bend Mutual | $918.00 / year |
| Farm Bureau Mutual (IA Group) | $944.00 / year |
| Wolverine Mutual | $948.00 / year |
| Rural Mutual Insurance | $1,041.00 / year |
| New York Central Mutual Fire | $1,058.00 / year |
| Erie | $1,164.00 / year |
| Pekin Insurance | $1,166.00 / year |
| Texas Farm Bureau Group | $1,167.00 / year |
| Oregon Mutual | $1,202.00 / year |
2017 Lincoln Navigator Insurance
Average Cost to Insure
$1,382.20 / year
Cheapest Rate
$708.00 / year American National P
Available Trims
L 4dr LIMOUSINE (6cyl)
2016 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Pekin Insurance | $948.00 / year |
| Kentucky Farm Bureau | $1,007.00 / year |
| National General | $1,068.00 / year |
| New Jersey Manufacturers | $1,082.00 / year |
| Rockford Mutual Insurance | $1,191.00 / year |
| SECURA Insurance | $1,215.00 / year |
| Texas Farm Bureau Group | $1,246.00 / year |
| Tennessee Farmers | $1,262.00 / year |
| North Carolina Farm Bureau | $1,304.00 / year |
| Titan | $1,359.00 / year |
2016 Lincoln Navigator Insurance
Average Cost to Insure
$1,232.53 / year
Cheapest Rate
$948.00 / year Pekin Insurance
Available Trims
L 4dr LIMOUSINE (6cyl)
2015 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Concord Group | $746.00 / year |
| Farm Bureau Mutual (IA Group) | $901.00 / year |
| Direct Auto | $940.00 / year |
| Buckeye Insurance Group | $983.00 / year |
| Countryway Insurance | $999.00 / year |
| Virginia Farm Bureau | $1,040.00 / year |
| Texas Farm Bureau Group | $1,065.00 / year |
| Safeco | $1,087.00 / year |
| Western National | $1,088.00 / year |
| Pekin Insurance | $1,108.00 / year |
2015 Lincoln Navigator Insurance
Average Cost to Insure
$1,025.27 / year
Cheapest Rate
$746.00 / year Concord Group
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2014 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $438.00 / year |
| Buckeye Insurance Group | $681.00 / year |
| Pekin Insurance | $794.00 / year |
| Ohio Mutual Ins Group | $956.00 / year |
| Farm Bureau Mutual (IA Group) | $1,020.00 / year |
| MO Farm Bureau Services | $1,064.00 / year |
| Penn National | $1,070.00 / year |
| Southern Farm Bureau | $1,109.00 / year |
| Western Reserve | $1,146.00 / year |
| Rockford Mutual Insurance | $1,152.00 / year |
2014 Lincoln Navigator Insurance
Average Cost to Insure
$1,237.47 / year
Cheapest Rate
$438.00 / year American National P
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2013 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Buckeye Insurance Group | $522.00 / year |
| SECURA Insurance | $738.00 / year |
| Direct Auto | $842.00 / year |
| Farm Bureau Mutual (IA Group) | $933.00 / year |
| Western Reserve | $962.00 / year |
| American National P | $983.00 / year |
| Utica National Ins Group | $996.00 / year |
| Ohio Mutual Ins Group | $1,017.00 / year |
| North Carolina Farm Bureau | $1,077.00 / year |
| Celina Insurance Group | $1,101.00 / year |
2013 Lincoln Navigator Insurance
Average Cost to Insure
$1,198.97 / year
Cheapest Rate
$522.00 / year Buckeye Insurance Group
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2012 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Penn National | $819.00 / year |
| Safeco | $825.00 / year |
| Farm Bureau Mutual (IA Group) | $857.00 / year |
| Utica National Ins Group | $927.00 / year |
| Liberty Mutual | $981.00 / year |
| Clearcover | $1,016.00 / year |
| New York Central Mutual Fire | $1,058.00 / year |
| SECURA Insurance | $1,150.00 / year |
| ALFA | $1,151.00 / year |
| Mississippi Farm Bureau | $1,196.00 / year |
2012 Lincoln Navigator Insurance
Average Cost to Insure
$1,259.03 / year
Cheapest Rate
$819.00 / year Penn National
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2011 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $775.00 / year |
| Virginia Farm Bureau | $836.00 / year |
| SECURA Insurance | $982.00 / year |
| Buckeye Insurance Group | $1,002.00 / year |
| EMC Insurance | $1,025.00 / year |
| Indiana Farmers Mutual Ins | $1,038.00 / year |
| Kentucky Farm Bureau | $1,091.00 / year |
| Direct Auto | $1,120.00 / year |
| Clearcover | $1,147.00 / year |
| Tennessee Farmers | $1,210.00 / year |
2011 Lincoln Navigator Insurance
Average Cost to Insure
$1,295.17 / year
Cheapest Rate
$775.00 / year American National P
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2010 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $282.00 / year |
| American National P | $493.00 / year |
| Buckeye Insurance Group | $671.00 / year |
| Pekin Insurance | $750.00 / year |
| Loya Insurance | $767.00 / year |
| PEMCO | $813.00 / year |
| IMT Insurance Company | $873.00 / year |
| Oregon Mutual | $884.00 / year |
| Virginia Farm Bureau | $899.00 / year |
| Unigard | $902.00 / year |
2010 Lincoln Navigator Insurance
Average Cost to Insure
$1,014.80 / year
Cheapest Rate
$282.00 / year Jupiter Auto Insurance
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.
