Lincoln Navigator Car Insurance

Finding the best Lincoln Navigator auto insurance rates isn't hard to do, but there are a lot of things you should know to help get affordable car insurance that still meets your needs. Lincoln Navigator car insurance prices depend on your driving record, your age, your insurance company, and even your credit score. Where you live is important, too. The average cost of Lincoln Navigator auto insurance, for example, is $240 a month in California, but only $129 per month for Lincoln Navigator car insurance in Illinois. Remember that if you live in an area with high crime or heavy traffic, your Lincoln Navigator insurance rates will be higher. A great way to make sure you're getting the best insurance rate is to get quotes from several of the best auto insurance companies to compare.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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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 about Lincoln Navigator Auto insurance rates.

Just because you're driving a more expensive vehicle doesn't mean you can't find cheap car insurance rates, though.

One of the best ways to save on auto insurance is to see what different companies are charging for Lincoln Navigator car insurance. You can use our FREE comparison tool to find the best rates near you right now.

If you’d like to learn more about how to save money on your Lincoln Navigator insurance, read on.

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 liftgate, 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 the trim or adding a package.

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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 discounts, safe driver discounts, homeowners discounts, 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

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