Estimates, not quotes

BMW X5 vs Lincoln Navigator Insurance Cost

The Lincoln Navigator is cheaper to insure by about $50 a year for full coverage by our estimate ($1,690 vs. $1,640), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageBMW X5Lincoln NavigatorDifference
State minimum$545$520+$25
Standard (100/300/100)$790$755+$35
Full coverage$1,690$1,640+$50

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X5 minus Navigator.

Why one costs more to insure

FactorBMW X5Lincoln Navigator
SegmentLuxury SUVLuxury SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, DieselGasoline, Flex-fuel
HLDI collision (100 = avg)120119
HLDI comprehensive142135
HLDI property damage liability8679
HLDI bodily injury liability81—
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)77

Collision losses are the biggest swing factor: the BMW X5 has 1 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

X5 vs Navigator insurance by state

StateX5NavigatorDifference
Alabama$1,510$1,465+$45
Alaska$1,480$1,440+$40
Arizona$1,770$1,710+$60
Arkansas$1,555$1,510+$45
California$1,660$1,615+$45
Colorado$1,985$1,920+$65
Connecticut$1,745$1,695+$50
Delaware$1,805$1,745+$60
District of Columbia$2,135$2,075+$60
Florida$2,285$2,205+$80
Georgia$2,020$1,950+$70
Hawaii$1,170$1,140+$30
Idaho$1,160$1,125+$35
Illinois$1,485$1,440+$45
Indiana$1,225$1,185+$40
Iowa$1,235$1,195+$40
Kansas$1,435$1,390+$45
Kentucky$1,420$1,375+$45
Louisiana$2,325$2,250+$75
Maine$1,100$1,065+$35
Maryland$1,865$1,810+$55
Massachusetts$1,655$1,605+$50
Michigan$1,850$1,795+$55
Minnesota$1,470$1,425+$45
Mississippi$1,665$1,615+$50
Missouri$1,580$1,530+$50
Montana$1,440$1,395+$45
Nebraska$1,435$1,390+$45
Nevada$1,825$1,765+$60
New Hampshire$1,220$1,185+$35
New Jersey$1,945$1,885+$60
New Mexico$1,545$1,495+$50
New York$2,190$2,120+$70
North Carolina$1,310$1,275+$35
North Dakota$1,180$1,145+$35
Ohio$1,230$1,195+$35
Oklahoma$1,595$1,545+$50
Oregon$1,465$1,420+$45
Pennsylvania$1,515$1,470+$45
Rhode Island$1,975$1,915+$60
South Carolina$1,765$1,705+$60
South Dakota$1,445$1,395+$50
Tennessee$1,440$1,400+$40
Texas$2,065$2,000+$65
Utah$1,485$1,440+$45
Vermont$1,150$1,115+$35
Virginia$1,455$1,410+$45
Washington$1,430$1,385+$45
West Virginia$1,475$1,430+$45
Wisconsin$1,200$1,160+$40
Wyoming$1,465$1,420+$45

By driver profile (full coverage)

DriverX5Navigator
Teen driver (18, own policy)$4,650$4,505
Young adult (22)$2,705$2,620
Adult in their 30s$1,690$1,640
Adult in their 50s$1,555$1,505
Senior (72)$1,895$1,835
30s, one at-fault accident$2,450$2,375
30s, DUI on record$3,130$3,030

More comparisons

Frequently asked questions

Is the BMW X5 or the Lincoln Navigator cheaper to insure?

By our estimate the Lincoln Navigator is cheaper, by about $50 a year for full coverage ($1,690 vs. $1,640) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW X5 and Lincoln Navigator?

Mostly because of insurance-loss history: HLDI collision indices of 120 vs. 119 and comprehensive indices of 142 vs. 135 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page