Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

Full Bio →

Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Lincoln Navigator: Getting Insured

The Navigator is a full-sized SUV in Lincoln’s lineup. Starting at just under $58,000, it’s among the pricier models that Lincoln has to offer. Though as a buyer, you should be conscious of the costs of owning a given car. Your costs won’t just end at the sticker price. You’ll have to consider what fuel economy will look like for this car; in this case, the Navigator gets 14/20 city/hwy. You’ll also have to find out how much insurance will cost you. If you’d like to learn more on how to save money on your Lincoln Navigator insurance, read on.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Lincoln Navigator: Ratings & Reviews

The 2011 Navigator is incredibly elegant looking, while offering a wide array of luxury features. The interior has an upscale look, and the car is relatively quiet on the road despite its V8 engine. It’s less expensive than other cars in its class, and it has 3 rows of seating.

However, if you’re looking for a car to carry heavy loads, you may want to look elsewhere. The V8 underperforms when the car is bogged down with a lot of stuff. Acceleration is merely adequate otherwise.

Standard on all Lincoln Navigators come the following features: leather upholstery, parking sensors, back-up camera, power lift gate, automatic climate control, heated & power front seats as well as second & third rows, as well as an impressive 14-speaker surround sound stereo with HD radio, CD player, and USB as well as satellite radio capability. That’s a lot of bang for your buck. If you want more features, consider upgrading in trim or adding a package.

These Companies Offer the Cheapest Lincoln Navigator Insurance

Lincoln Navigator: Associated Insurance Costs

Luxury cars are costlier to insure than other cars, this is why you should always be on the lookout for ways to save. Perhaps the easiest way to save is by simply doing your homework when it comes to insurance companies.

As a rule of thumb, you’ll want to get several quotes, all from different insurers. Three or so should do for the purposes of comparing. Bear in mind that incentives and discounts that one insurer might not be offering, another is likely to have. The most common forms of discounts include: good student discount, safe driver discount, homeowners discount, etc. Ask your insurer about what they can offer you.

Another way to save is by reviewing your current policy and removing anything you don’t need anymore. For example, if you’re a safe driver, you may want to raise the deductible on your collision coverage. You’ll be responsible for more up-front costs, but you’ll be saving monthly on your premium. It’s a tradeoff.

Lincoln Navigator: Safety Ratings

These can help you save on your insurance. The safer the car, the more savings will be passed along to you. The 2012 Navigator has scored well with the federal government. It’s gotten 3/5 stars for rollover crash tests for the two-wheel drive model and 4/5 stars for the four-wheel drive  version. However, both of them got 4/5 stars on front crash tests and 5/5 stars on side impact. It gets 4/5 stars overall.

Lincoln Navigator: Insurance Quotes

Enter your zip code below, and get your free quote today!