Lincoln Navigator vs Infiniti QX80 Insurance Cost
The Lincoln Navigator is cheaper to insure by about $50 a year for full coverage by our estimate ($1,640 vs. $1,690), and cheaper in 46 of 51 states.
Side-by-side insurance estimate
| Coverage | Lincoln Navigator | Infiniti QX80 | Difference |
|---|---|---|---|
| State minimum | $520 | $570 | −$50 |
| Standard (100/300/100) | $755 | $830 | −$75 |
| Full coverage | $1,640 | $1,690 | −$50 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Navigator minus QX80.
Why one costs more to insure
| Factor | Lincoln Navigator | Infiniti QX80 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Flex-fuel | Gasoline |
| HLDI collision (100 = avg) | 119 | 123 |
| HLDI comprehensive | 135 | 116 |
| HLDI property damage liability | 79 | 91 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 7 | 4 |
Collision losses are the biggest swing factor: the Infiniti QX80 has 4 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Infiniti QX80.
Navigator vs QX80 insurance by state
By driver profile (full coverage)
| Driver | Navigator | QX80 |
|---|---|---|
| Teen driver (18, own policy) | $4,505 | $4,645 |
| Young adult (22) | $2,620 | $2,705 |
| Adult in their 30s | $1,640 | $1,690 |
| Adult in their 50s | $1,505 | $1,555 |
| Senior (72) | $1,835 | $1,895 |
| 30s, one at-fault accident | $2,375 | $2,450 |
| 30s, DUI on record | $3,030 | $3,125 |
More comparisons
Frequently asked questions
Is the Lincoln Navigator or the Infiniti QX80 cheaper to insure?
By our estimate the Lincoln Navigator is cheaper, by about $50 a year for full coverage ($1,640 vs. $1,690) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Lincoln Navigator and Infiniti QX80?
Mostly because of insurance-loss history: HLDI collision indices of 119 vs. 123 and comprehensive indices of 135 vs. 116 (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.