If you’re looking for insurance for your Lincoln Navigator in 2025, you’re in the right place. Car insurance rates for the Lincoln Navigator depend on factors like your driving record, location and car model year.
A 2023 Lincoln Navigator typically costs around $3,255 per year to insure, although prices vary widely for older models. For example, a 2021 Navigator costs $2,990 annually, whereas you’ll pay $2,674 annually for a 2018 model (on average).
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Lincoln Navigator.
What is the cost to insure your Lincoln Navigator in 2025?
The average cost to insure a Lincoln Navigator is $280 per month or $3,358 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Lincoln Navigator
Nationwide offers the cheapest car insurance rates for Lincoln Navigator at an average annual cost of $2,270 a year or $189 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Lincoln Navigator
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,270 | $1,135 | $189 |
| State Farm | $2,619 | $1,309 | $218 |
| Geico | $3,121 | $1,560 | $260 |
| Progressive | $3,330 | $1,665 | $278 |
| Farmers | $3,948 | $1,974 | $329 |
| Allstate | $4,841 | $2,421 | $403 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Lincoln Navigator car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Lincoln Navigator will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Lincoln Navigator, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,985 | $993 | $165 |
| 2015 | $2,186 | $1,093 | $182 |
| 2016 | $2,320 | $1,160 | $193 |
| 2017 | $2,399 | $1,200 | $200 |
| 2018 | $2,674 | $1,337 | $223 |
| 2019 | $2,773 | $1,387 | $231 |
| 2020 | $2,906 | $1,453 | $242 |
| 2021 | $2,990 | $1,495 | $249 |
| 2022 | $3,126 | $1,563 | $260 |
| 2023 | $3,255 | $1,627 | $271 |
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Lincoln Navigator car insurance rates for different trims
When it comes to insuring a Lincoln Navigator, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For example, higher trims like the Navigator Black Label, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Lincoln Navigator.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Navigator Premiere | $3,242 | $1,621 | $270 |
| Navigator L Reserve | $3,325 | $1,662 | $277 |
| Navigator Reserve | $3,343 | $1,672 | $279 |
| Navigator L Fleet | $3,364 | $1,682 | $280 |
| Navigator L Black Label | $3,438 | $1,719 | $286 |
| Navigator Black Label | $3,465 | $1,732 | $289 |
Lincoln Navigator insurance rates: State-by-state breakdown
The cost of insuring a Lincoln Navigator vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Lincoln Navigator by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,872 | $1,436 | $239 |
| Alabama | $3,086 | $1,543 | $257 |
| Arkansas | $3,644 | $1,822 | $304 |
| Arizona | $2,964 | $1,482 | $247 |
| California | $3,684 | $1,842 | $307 |
| Colorado | $4,329 | $2,165 | $361 |
| Connecticut | $3,421 | $1,710 | $285 |
| Washington, D.C. | $3,864 | $1,932 | $322 |
| Delaware | $3,243 | $1,622 | $270 |
| Florida | $3,611 | $1,805 | $301 |
| Georgia | $3,755 | $1,877 | $313 |
| Hawaii | $2,212 | $1,106 | $184 |
| Iowa | $2,960 | $1,480 | $247 |
| Idaho | $2,148 | $1,074 | $179 |
| Illinois | $3,109 | $1,555 | $259 |
| Indiana | $3,060 | $1,530 | $255 |
| Kansas | $3,490 | $1,745 | $291 |
| Kentucky | $4,512 | $2,256 | $376 |
| Louisiana | $5,570 | $2,785 | $464 |
| Massachusetts | $3,360 | $1,680 | $280 |
| Maryland | $3,103 | $1,552 | $259 |
| Maine | $2,596 | $1,298 | $216 |
| Michigan | $3,983 | $1,991 | $332 |
| Minnesota | $3,508 | $1,754 | $292 |
| Missouri | $4,152 | $2,076 | $346 |
| Mississippi | $4,055 | $2,028 | $338 |
| Montana | $3,810 | $1,905 | $318 |
| North Carolina | $2,808 | $1,404 | $234 |
| North Dakota | $3,192 | $1,596 | $266 |
| Nebraska | $3,733 | $1,867 | $311 |
| New Hampshire | $2,647 | $1,323 | $221 |
| New Jersey | $3,131 | $1,565 | $261 |
| New Mexico | $3,393 | $1,697 | $283 |
| Nevada | $2,891 | $1,445 | $241 |
| New York | $2,505 | $1,252 | $209 |
| Ohio | $2,592 | $1,296 | $216 |
| Oklahoma | $3,677 | $1,838 | $306 |
| Oregon | $3,007 | $1,503 | $251 |
| Pennsylvania | $3,339 | $1,670 | $278 |
| Rhode Island | $3,978 | $1,989 | $332 |
| South Carolina | $3,196 | $1,598 | $266 |
| South Dakota | $4,567 | $2,284 | $381 |
| Tennessee | $3,402 | $1,701 | $284 |
| Texas | $4,983 | $2,491 | $415 |
| Utah | $2,604 | $1,302 | $217 |
| Virginia | $2,424 | $1,212 | $202 |
| Vermont | $2,841 | $1,421 | $237 |
| Washington | $2,452 | $1,226 | $204 |
| Wisconsin | $2,577 | $1,289 | $215 |
| West Virginia | $3,224 | $1,612 | $269 |
| Wyoming | $4,146 | $2,073 | $345 |
How your age impacts Lincoln Navigator insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $12,385 | $6,192 | $1,032 |
| Adults | $3,358 | $1,679 | $280 |
The bottom line
Knowing how much it costs to insure a Lincoln Navigator is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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