Estimates, not quotes

Lincoln Navigator Insurance Cost in South Dakota

Insuring a Lincoln Navigator in South Dakota costs about $1,395 a year ($116/month) for full coverage by our estimate — −15% versus the same car nationally — the 17th 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 South Dakota at a glance

Full coverage
$1,395
$1,145–$1,645
25/50/25 minimum
$265
$22/mo
Same car nationally
$1,640
full coverage
Avg. car in SD
$1,235
+13% for the Navigator

The Lincoln Navigator is 13% more expensive than the average vehicle to insure in South Dakota, reflecting HLDI collision losses of 119 and comprehensive losses of 135 (100 = average). South Dakota's own base rates are 27% lower than the national average, which carries through to every model.

South Dakota factors that affect Navigator premiums

  • Uninsured drivers: 9.4% of South Dakota drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Navigator.
  • Theft: 134 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates South Dakota's expected annual losses as relatively low for hail, relatively moderate for tornado, not rated for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.40 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in South Dakota →

Lincoln Navigator insurance cost in South Dakota cities

CityFull coverageMinimumvs. state
Sioux Falls$1,650$310+18%
Rapid City$1,560$305+12%
Aberdeen$1,510$290+8%
Brookings$1,505$295+8%
Watertown$1,485$290+6%
Yankton$1,530$295+10%
Mitchell$1,480$290+6%
Huron$1,470$290+5%

Lincoln Navigator insurance in South Dakota by driver

Estimated annual Lincoln Navigator premium in South Dakota
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $735 $1,065 $3,835 $320
Young adult (22) $425 $620 $2,230 $186
Adult in their 30s $265 $385 $1,395 $116
Adult in their 50s $245 $355 $1,285 $107
Senior (72) $300 $435 $1,565 $130
30s, one at-fault accident $385 $560 $2,025 $169
30s, DUI on record $495 $715 $2,580 $215

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. $265 $22 $220–$315
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $385 $32 $315–$455
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,395 $116 $1,145–$1,645

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

Rivals in South Dakota

ModelFull coverage in SDvs. Navigator
BMW X5$1,445+4%
Land Rover Discovery$1,495+7%
Jaguar F-Pace$1,445+4%
Infiniti QX80$1,370−2%

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Lincoln Navigator insurance cost in every state · All Lincoln models

Frequently asked questions

How much is Lincoln Navigator insurance in South Dakota?

About $1,395 a year ($116 a month) for full coverage and $265 for South Dakota's minimum liability, for a driver in their 30s with a clean record. That is 15% less than the national estimate for the same car.

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

The average vehicle in South Dakota is about $1,235 a year for full coverage in our model, so the Lincoln Navigator is 13% more expensive than average.

Where in South Dakota is Lincoln Navigator insurance cheapest?

Among the largest South Dakota cities, Huron has the lowest estimate (about $1,470) and Sioux Falls the highest (about $1,650).

What insurance do I need for a Lincoln Navigator in South Dakota?

South Dakota requires at least 25/50/25 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