Estimates, not quotes

Lincoln Navigator Insurance Cost in Oregon

Insuring a Lincoln Navigator in Oregon costs about $1,420 a year ($118/month) for full coverage by our estimate — −13% versus the same car nationally — the 20th cheapest of 51 states for this model.

Lincoln Navigator (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 in Oregon at a glance

Full coverage
$1,420
$1,165–$1,675
25/50/20 minimum
$530
$44/mo
Same car nationally
$1,640
full coverage
Avg. car in OR
$1,425
0% for the Navigator

The Lincoln Navigator is about the same as the average vehicle to insure in Oregon, reflecting HLDI collision losses of 119 and comprehensive losses of 135 (100 = average). Oregon's own base rates are 9% lower than the national average, which carries through to every model.

Oregon factors that affect Navigator premiums

  • Uninsured drivers: 14.7% of Oregon drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Navigator.
  • Theft: 215 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Oregon's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.44 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Oregon →

Lincoln Navigator insurance cost in Oregon cities

CityFull coverageMinimumvs. state
Portland$1,610$600+13%
Salem$1,565$580+10%
Eugene$1,515$565+7%
Gresham$1,640$610+15%
Hillsboro$1,585$590+12%
Bend$1,465$545+3%
Beaverton$1,615$605+14%
Medford$1,460$550+3%

Lincoln Navigator insurance in Oregon by driver

Estimated annual Lincoln Navigator premium in Oregon
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,455 $2,115 $3,905 $325
Young adult (22) $850 $1,230 $2,270 $189
Adult in their 30s $530 $770 $1,420 $118
Adult in their 50s $485 $705 $1,305 $109
Senior (72) $595 $860 $1,590 $133
30s, one at-fault accident $770 $1,115 $2,060 $172
30s, DUI on record $980 $1,420 $2,625 $219

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $530 $44 $435–$625
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $770 $64 $630–$905
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,420 $118 $1,165–$1,675

Oregon minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oregon

ModelFull coverage in ORvs. Navigator
BMW X5$1,465+3%
Land Rover Discovery$1,480+4%
Jaguar F-Pace$1,500+6%
Infiniti QX80$1,480+4%

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Lincoln Navigator insurance cost in every state · All Lincoln models

Frequently asked questions

How much is Lincoln Navigator insurance in Oregon?

About $1,420 a year ($118 a month) for full coverage and $530 for Oregon's minimum liability, for a driver in their 30s with a clean record. That is 13% less than the national estimate for the same car.

Is the Lincoln Navigator cheaper to insure than the average car in Oregon?

The average vehicle in Oregon is about $1,425 a year for full coverage in our model, so the Lincoln Navigator is about the same as average.

Where in Oregon is Lincoln Navigator insurance cheapest?

Among the largest Oregon cities, Medford has the lowest estimate (about $1,460) and Gresham the highest (about $1,640).

What insurance do I need for a Lincoln Navigator in Oregon?

Oregon requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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