Lincoln Navigator Insurance Cost

Full coverage for a Lincoln Navigator costs about $1,640 a year ($137/month) by our estimate — ▲ +3% versus the average vehicle, ranking 164th cheapest of 310 current models.

Lincoln Navigator exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

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

Lincoln Navigator insurance cost at a glance

Full coverage

$1,640

$137/mo · $1,345–$1,935

Minimum liability

$520

$43/mo

Segment

Luxury SUV

Gasoline, Flex-fuel

HLDI collision losses

119

Worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Lincoln Navigator.

Estimated Lincoln Navigator premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$520	$43	$425–$615
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$755	$63	$620–$890
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,640	$137	$1,345–$1,935

What drives the cost of insuring a Lincoln Navigator

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lincoln Navigator's results put our vehicle factor at 0.85× for liability, 1.22× for collision and 1.34× for comprehensive.

HLDI relative insurance losses — Lincoln Navigator 4dr 4WD (Very large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	119	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	135	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	79	Much better than average	Damage this car does to other vehicles and property
Personal injury protection	55	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Lincoln Navigator 4dr 4WD	119	135	79	—
Lincoln Navigator L 4dr 4WD	124	161	87	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 7 NHTSA recall campaigns and 12 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Lincoln Navigator trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Navigator 2WD	RWD	3.5L 6-cyl Turbo	18
Navigator 4WD	4WD	3.5L 6-cyl Turbo	17

Lincoln Navigator insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	3.5L 6-cyl Turbo	4WD, RWD	17–18	$1,640
2026	3.5L 6-cyl Turbo	4WD	17	$1,600
2025	3.5L 6-cyl Turbo	4WD	17	$1,560
2024	3.5L 6-cyl Turbo	4WD	18	$1,520
2023	3.5L 6-cyl Turbo	4WD, RWD	17–19	$1,480
2022	3.5L 6-cyl Turbo	4WD, RWD	18–19	$1,440
2021	3.5L 6-cyl Turbo	4WD, RWD	17–18	$1,400
2020	3.5L 6-cyl Turbo	4WD, RWD	18–19	$1,360
2019	3.5L 6-cyl Turbo	4WD, RWD	18–19	$1,320
2018	3.5L 6-cyl Turbo	4WD, RWD	18–19	$1,280
2017	3.5L 6-cyl Turbo	4WD, RWD	16–17	$1,240
2016	3.5L 6-cyl Turbo	4WD, RWD	16–18	$1,200
2015	3.5L 6-cyl Turbo	4WD, RWD	16–18	$1,195
2014	5.4L 8-cyl	4WD, RWD	15–16	$1,195
2013	5.4L 8-cyl	4WD, RWD	15–16	$1,195
2012	5.4L 8-cyl	4WD, RWD	15–16	$1,195
2011	5.4L 8-cyl	4WD, RWD	15–16	$1,195
2010	5.4L 8-cyl	RWD	16	$1,195
2009	5.4L 8-cyl	RWD	16	$1,195
2008	5.4L 8-cyl	RWD	14	$1,195

Lincoln Navigator insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Navigator page for that state.

State	Full coverage	Minimum	vs. national	Navigator page
Alabama	$1,465	$405	−11%	Navigator in AL
Alaska	$1,440	$530	−12%	Navigator in AK
Arizona	$1,710	$560	+4%	Navigator in AZ
Arkansas	$1,510	$380	−8%	Navigator in AR
California	$1,615	$485	−2%	Navigator in CA
Colorado	$1,920	$550	+17%	Navigator in CO
Connecticut	$1,695	$600	+3%	Navigator in CT
Delaware	$1,745	$680	+6%	Navigator in DE
District of Columbia	$2,075	$630	+27%	Navigator in DC
Florida	$2,205	$915	+34%	Navigator in FL
Georgia	$1,950	$740	+19%	Navigator in GA
Hawaii	$1,140	$370	−30%	Navigator in HI
Idaho	$1,125	$340	−31%	Navigator in ID
Illinois	$1,440	$420	−12%	Navigator in IL
Indiana	$1,185	$340	−28%	Navigator in IN
Iowa	$1,195	$260	−27%	Navigator in IA
Kansas	$1,390	$340	−15%	Navigator in KS
Kentucky	$1,375	$445	−16%	Navigator in KY
Louisiana	$2,250	$670	+37%	Navigator in LA
Maine	$1,065	$360	−35%	Navigator in ME
Maryland	$1,810	$635	+10%	Navigator in MD
Massachusetts	$1,605	$500	−2%	Navigator in MA
Michigan	$1,795	$650	+9%	Navigator in MI
Minnesota	$1,425	$400	−13%	Navigator in MN
Mississippi	$1,615	$450	−2%	Navigator in MS
Missouri	$1,530	$435	−7%	Navigator in MO
Montana	$1,395	$335	−15%	Navigator in MT
Nebraska	$1,390	$340	−15%	Navigator in NE
Nevada	$1,765	$735	+8%	Navigator in NV
New Hampshire	$1,185	$340	−28%	Navigator in NH
New Jersey	$1,885	$790	+15%	Navigator in NJ
New Mexico	$1,495	$440	−9%	Navigator in NM
New York	$2,120	$785	+29%	Navigator in NY
North Carolina	$1,275	$380	−22%	Navigator in NC
North Dakota	$1,145	$235	−30%	Navigator in ND
Ohio	$1,195	$340	−27%	Navigator in OH
Oklahoma	$1,545	$400	−6%	Navigator in OK
Oregon	$1,420	$530	−13%	Navigator in OR
Pennsylvania	$1,470	$360	−10%	Navigator in PA
Rhode Island	$1,915	$695	+17%	Navigator in RI
South Carolina	$1,705	$620	+4%	Navigator in SC
South Dakota	$1,395	$265	−15%	Navigator in SD
Tennessee	$1,400	$380	−15%	Navigator in TN
Texas	$2,000	$585	+22%	Navigator in TX
Utah	$1,440	$555	−12%	Navigator in UT
Vermont	$1,115	$270	−32%	Navigator in VT
Virginia	$1,410	$530	−14%	Navigator in VA
Washington	$1,385	$500	−16%	Navigator in WA
West Virginia	$1,430	$370	−13%	Navigator in WV
Wisconsin	$1,160	$315	−29%	Navigator in WI
Wyoming	$1,420	$275	−13%	Navigator in WY

Lincoln Navigator insurance by driver profile

Estimated annual Lincoln Navigator premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,430	$2,070	$4,505	$375
Young adult (22)	$830	$1,205	$2,620	$218
Adult in their 30s	$520	$755	$1,640	$137
Adult in their 50s	$480	$695	$1,505	$125
Senior (72)	$580	$845	$1,835	$153
30s, one at-fault accident	$755	$1,095	$2,375	$198
30s, DUI on record	$960	$1,395	$3,030	$253

Lincoln Navigator vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Lincoln Navigator	$1,640	119	135	—
BMW X5	$1,690	120	142	Compare
Land Rover Discovery	$1,665	116	157	Compare
Jaguar F-Pace	$1,690	137	132	Compare

Estimate Lincoln Navigator insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Other Lincoln models

Aviator $1,485/yr
Corsair $1,400/yr
Nautilus $1,485/yr
Continental $1,495/yr
MKZ $1,495/yr
MKC $1,460/yr
MKT $1,460/yr
MKX $1,395/yr
MKS $1,325/yr
Town Car $1,345/yr
Mark LT $1,255/yr
LS $1,345/yr
Zephyr $1,345/yr

All Lincoln insurance costs →

Frequently asked questions

How much is insurance for a Lincoln Navigator?

We estimate about $1,640 a year ($137 a month) for full coverage and $520 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 3% more than the average vehicle.

Is the Lincoln Navigator expensive to insure?

HLDI insurance-loss data rates it at 119 for collision and 135 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Lincoln Navigator?

Maine has the lowest estimate (about $1,065 a year for full coverage) and Louisiana the highest (about $2,250).

What is the Lincoln Navigator's NHTSA safety rating?

The 2026 Lincoln Navigator earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Lincoln Navigator costs about $1,640 a year versus $1,690 for the BMW X5, making it the cheaper of the two to insure.

How much is Lincoln Navigator insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,505 a year at national-average rates by our estimate.

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