- About us
- Agent Login
- 855.214.2291
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 | $274.66 / mo | $229.94 / mo | N/A | $215.72 / mo | $169.99 / mo |
| 2021 | $0.00 / mo | $270.38 / mo | $155.32 / mo | $181.03 / mo | $216.94 / mo | $233.48 / mo |
| 2020 | N/A | $146.15 / mo | $182.82 / mo | $203.14 / mo | $186.89 / mo | $202.32 / mo |
| 2019 | $224.07 / mo | $251.10 / mo | $123.06 / mo | $200.97 / mo | $98.97 / mo | $153.11 / mo |
| 2018 | $352.72 / mo | $222.42 / mo | $167.54 / mo | $124.04 / mo | $100.95 / mo | $185.38 / mo |
| 2017 | N/A | $382.67 / mo | $164.60 / mo | $130.12 / mo | $161.10 / mo | $148.85 / mo |
| 2016 | $0.00 / mo | $179.84 / mo | $176.42 / mo | $93.56 / mo | $187.05 / mo | $147.42 / mo |
| 2015 | N/A | $168.31 / mo | $124.80 / mo | $136.29 / mo | $116.90 / mo | $135.10 / mo |
| 2014 | N/A | $287.53 / mo | $114.54 / mo | $101.59 / mo | $132.68 / mo | $133.26 / mo |
| 2013 | N/A | $122.16 / mo | $113.42 / mo | $146.32 / mo | $96.55 / mo | $153.81 / mo |
| 2012 | N/A | $125.99 / mo | $143.57 / mo | $126.64 / mo | $134.61 / mo | $117.27 / mo |
| 2011 | N/A | $123.03 / mo | $120.70 / mo | $135.59 / mo | $130.83 / mo | $131.31 / mo |
| 2010 | N/A | $214.21 / mo | $132.29 / mo | $104.35 / mo | $114.10 / mo | $103.41 / 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 |
| Oregon Mutual | $2,025.00 / year |
| Central Mutual Insurance Co | $2,082.00 / year |
| Mutual Of Enumclaw | $2,099.00 / year |
| Sentry | $2,201.00 / year |
| Plymouth Rock Assurance | $2,253.00 / year |
2022 Lincoln Navigator Insurance
Average Cost to Insure
$2,014.90 / 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 |
| Direct Auto | $471.00 / year |
| Victoria | $563.00 / year |
| Safeco | $601.00 / year |
| American National P | $740.00 / year |
| Pioneer State Mutual Ins Co | $1,035.00 / year |
| Plymouth Rock Assurance | $1,119.00 / year |
| EMC Insurance | $1,128.00 / year |
| Farm Bureau Mutual (IA Group) | $1,167.00 / year |
| Wolverine Mutual | $1,191.00 / year |
| Partners Mutual Insurance Co | $1,238.00 / year |
2021 Lincoln Navigator Insurance
Average Cost to Insure
$1,131.67 / 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 |
| 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 |
| New York Central Mutual Fire | $1,688.00 / year |
| American Family | $1,779.00 / year |
| Direct Auto | $1,849.00 / year |
2020 Lincoln Navigator Insurance
Average Cost to Insure
$1,550.43 / 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 |
| 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) | $1,477.00 / year |
| New Jersey Manufacturers | $1,607.00 / year |
2019 Lincoln Navigator Insurance
Average Cost to Insure
$929.60 / 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 | $591.00 / year |
| Buckeye Insurance Group | $729.00 / year |
| Direct Auto | $908.00 / year |
| SafeAuto | $968.00 / year |
| Central Mutual Insurance Co | $1,076.00 / year |
| Virginia Farm Bureau | $1,086.00 / year |
| Western Reserve | $1,095.00 / year |
| Ohio Mutual Ins Group | $1,125.00 / year |
| Celina Insurance Group | $1,202.00 / year |
| PEMCO | $1,242.00 / year |
2018 Lincoln Navigator Insurance
Average Cost to Insure
$853.57 / year
Cheapest Rate
$591.00 / 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 | $643.00 / year |
| Buckeye Insurance Group | $828.00 / year |
| West Bend Mutual | $918.00 / year |
| Wolverine Mutual | $948.00 / year |
| Safeco | $1,009.00 / year |
| Texas Farm Bureau Group | $1,036.00 / year |
| Rural Mutual Insurance | $1,041.00 / year |
| Pekin Insurance | $1,056.00 / year |
| Western Reserve | $1,142.00 / year |
| EMC Insurance | $1,203.00 / year |
2017 Lincoln Navigator Insurance
Average Cost to Insure
$917.03 / year
Cheapest Rate
$643.00 / 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 |
| Texas Farm Bureau Group | $1,073.00 / year |
| New Jersey Manufacturers | $1,082.00 / year |
| National General | $1,115.00 / year |
| Rockford Mutual Insurance | $1,191.00 / year |
| SECURA Insurance | $1,213.00 / year |
| Tennessee Farmers | $1,241.00 / year |
| North Carolina Farm Bureau | $1,304.00 / year |
| Penn National | $1,354.00 / year |
| Titan | $1,359.00 / year |
2016 Lincoln Navigator Insurance
Average Cost to Insure
$783.13 / 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 |
| American National P | $627.00 / year |
| Safeco | $709.00 / year |
| Direct Auto | $729.00 / year |
| Concord Group | $746.00 / year |
| Buckeye Insurance Group | $874.00 / year |
| Countryway Insurance | $999.00 / year |
| Virginia Farm Bureau | $1,010.00 / year |
| Texas Farm Bureau Group | $1,076.00 / year |
| Kemper Auto | Infinity | $1,078.00 / year |
| Farm Bureau Mutual (IA Group) | $1,078.00 / year |
2015 Lincoln Navigator Insurance
Average Cost to Insure
$734.33 / year
Cheapest Rate
$627.00 / year American National P
Available Trims
L 4dr SPORT UTILITY VEHICLE (6cyl)
2014 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $456.00 / year |
| Safeco | $457.00 / year |
| Buckeye Insurance Group | $681.00 / year |
| Ohio Mutual Ins Group | $956.00 / year |
| MO Farm Bureau Services | $1,064.00 / year |
| Texas Farm Bureau Group | $1,127.00 / year |
| Western Reserve | $1,146.00 / year |
| Loya Insurance | $1,157.00 / year |
| Tennessee Farmers | $1,248.00 / year |
| First Chicago Insurance | $1,260.00 / year |
2014 Lincoln Navigator Insurance
Average Cost to Insure
$1,227.80 / year
Cheapest Rate
$456.00 / year American National P
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2013 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SECURA Insurance | $738.00 / year |
| Buckeye Insurance Group | $878.00 / year |
| Farm Bureau Mutual (IA Group) | $933.00 / year |
| Direct Auto | $961.00 / year |
| American National P | $983.00 / year |
| Utica National Ins Group | $996.00 / year |
| Ohio Mutual Ins Group | $1,017.00 / year |
| Virginia Farm Bureau | $1,023.00 / year |
| North Carolina Farm Bureau | $1,077.00 / year |
| Pekin Insurance | $1,081.00 / year |
2013 Lincoln Navigator Insurance
Average Cost to Insure
$1,179.30 / year
Cheapest Rate
$738.00 / year SECURA Insurance
Available Trims
L 4dr SPORT UTILITY VEHICLE (8cyl)
2012 Lincoln Navigator Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Dairyland | $455.00 / year |
| Kemper Personal Insurance | $763.00 / year |
| National General Value | $767.00 / year |
| Penn National | $819.00 / year |
| Utica National Ins Group | $927.00 / year |
| Safeco | $965.00 / year |
| ALFA | $1,151.00 / year |
| Mississippi Farm Bureau | $1,196.00 / year |
| Texas Farm Bureau Group | $1,203.00 / year |
| New York Central Mutual Fire | $1,213.00 / year |
2012 Lincoln Navigator Insurance
Average Cost to Insure
$1,113.27 / year
Cheapest Rate
$455.00 / 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 |
| American National P | $775.00 / year |
| Mercury Insurance | $804.00 / year |
| Rural Mutual Insurance | $824.00 / year |
| SECURA Insurance | $831.00 / year |
| Virginia Farm Bureau | $847.00 / year |
| National General RAD | $895.00 / year |
| Buckeye Insurance Group | $1,002.00 / year |
| EMC Insurance | $1,025.00 / year |
2011 Lincoln Navigator Insurance
Average Cost to Insure
$914.07 / 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 |
| Jupiter Auto Insurance | $282.00 / year |
| American National P | $493.00 / year |
| Safeco | $519.00 / year |
| Pekin Insurance | $667.00 / year |
| Buckeye Insurance Group | $671.00 / year |
| Loya Insurance | $767.00 / year |
| PEMCO | $813.00 / year |
| SECURA Insurance | $825.00 / year |
| Virginia Farm Bureau | $861.00 / year |
2010 Lincoln Navigator Insurance
Average Cost to Insure
$740.47 / 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.
