Best Lincoln Navigator Car Insurance in 2024 (Find the Top 10 Companies Here)

State Farm, Geico, and Farmers are the best Lincoln Navigator car insurance companies for drivers with significant coverage requirements, with monthly premiums as low as $44.

The average cost of full coverage Lincoln Navigator car insurance is around $133 per month for drivers. Lincoln Navigator prices for a liability insurance policy cost, on average, $53 per month, if you only want basic coverage.

Our Top 10 Company Picks: Best Lincoln Navigator Car Insurance

Use the details found in this comprehensive guide to help you in your quest for the most affordable Lincoln Navigator insurance premiums.

You may compare rates with confidence because of its precise statistics and practical advice. Simply enter your ZIP code above.

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#1 – State Farm: Top Overall Pick

Pros

• Comprehensive Coverage: Offers extensive coverage options including rental car reimbursement and roadside assistance. Additionally, State Farm provides a 10% multi-vehicle discount, making it a top choice for the best Lincoln Navigator car insurance. Find more in our guide titled “State Farm Car Insurance Review.”
• Discounts: Provides multiple discounts, such as for safe driving and bundling, which can help lower premiums for the best Lincoln Navigator car insurance. Their broad range of discount options, including a 10% multi-vehicle discount, makes them a strong choice for significant savings.
• Customer Service: High customer satisfaction with responsive and helpful service. State Farm’s emphasis on many discounts and local agents contributes to a tailored customer experience for the best Lincoln Navigator car insurance.

Cons

• Higher Premiums: These can have higher premiums compared to some competitors, potentially impacting those looking for affordable options for the best Lincoln Navigator car insurance. The cost may be slightly elevated despite the available discounts.
• Limited Online Tools: May lack some advanced online tools and mobile app features available with other insurers. This limitation can affect convenience in managing policies for those seeking the best Lincoln Navigator car insurance.

#2 – Geico: Custom Plan

Pros

• Affordable Rates: Known for competitive pricing and affordable rates, ideal for the best Lincoln Navigator car insurance. Geico offers a 15% multi-vehicle discount, which further enhances affordability. The A++ A.M. Best rating signifies top-notch financial stability.
• Discounts: Offers a variety of discounts including for military members and federal employees, which can lower premiums for the best Lincoln Navigator car insurance. The 15% multi-vehicle discount can also significantly reduce costs. Explore more about Geico’s rates in our guide entitled “Geico Car Insurance Review.”
• Convenient Online Services: Strong online presence and user-friendly app for managing policies and claims. The app’s efficiency, combined with a 15% multi-vehicle discount, makes Geico a convenient choice for the best Lincoln Navigator car insurance.

Cons

• Customer Service: Some customers report mixed experiences with customer service, which may affect overall satisfaction with the best Lincoln Navigator car insurance. Service issues can detract from the otherwise competitive rates and discounts.
• Limited Customization: This may offer less flexibility in customizing coverage options compared to other providers. This can limit personalization despite the 15% multi-vehicle discount and affect those seeking the best Lincoln Navigator car insurance.

#3 – Farmers: Local Agents

Pros

• Wide Coverage Options: Extensive coverage options including gap insurance and accident forgiveness. Farmers’ 12% multi-vehicle discount adds to the value of the best Lincoln Navigator car insurance. The A.M. Best rating of A confirms solid financial stability.
• Discounts and Rewards: Offers numerous discounts and a rewards program that can reduce costs for the best Lincoln Navigator car insurance. The 12% multi-vehicle discount, combined with local agents’ personalized service, enhances overall savings.
• Local Agents: Personalized service through a network of local agents, making it easier to find tailored solutions for the best Lincoln Navigator car insurance. The local expertise contributes to a customized insurance experience. Take a look at our Farmers Car Insurance Review.

Cons

• Higher Costs: Premiums can be higher compared to some competitors, which may not be ideal for those seeking affordable options for the best Lincoln Navigator car insurance. Despite the 12% multi-vehicle discount, costs can remain relatively high.
• Complex Claims Process: The claims process can be more complex and slower compared to other providers. This complexity can affect the overall experience for those looking for straightforward solutions for the best Lincoln Navigator car insurance.

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#4 – Travelers: Accident Forgiveness

Pros

• Comprehensive Coverage: Offers extensive coverage options including gap insurance and roadside assistance. The best rating provides robust support for the best Lincoln Navigator car insurance. This comprehensive coverage ensures all-around protection for your vehicle.
• Discounts: Provides various discounts, including for bundling and safe driving, which can reduce costs for the best Lincoln Navigator car insurance. The 18% multi-vehicle discount adds to the overall savings and value.
• Strong Financial Stability: Known for strong financial stability and reliability, ensuring support for claims. The A++ A.M. Best rating and 18% multi-vehicle discount underscore Travelers’ strong position in the market for the best Lincoln Navigator car insurance.

Cons

• Higher Costs: Premiums can be higher compared to some other insurers, which might impact affordability for the best Lincoln Navigator car insurance. Despite the 18% multi-vehicle discount, costs can remain relatively high. Delve deeper with our article entitled “Travelers Car Insurance Review.”
• Mixed Reviews: Some customers report mixed experiences with customer service and claims handling. These mixed reviews can affect overall satisfaction, despite the high discount and strong financial rating for the best Lincoln Navigator car insurance.

#5 – Allstate: Add-on Coverages

Pros

• Extensive Coverage Options: Provides a wide array of coverage options including accident forgiveness and new car replacement. Allstate’s 17% multi-vehicle discount, along with these options, ensures comprehensive protection for the best Lincoln Navigator car insurance.
• Add-On Coverages: Offers a variety of add-on coverages like rental car reimbursement and roadside assistance. These add-ons, coupled with the 17% multi-vehicle discount, enhance the value of Allstate’s insurance for the best Lincoln Navigator car insurance.
• Customer Satisfaction: Generally high customer satisfaction ratings and positive reviews. The 17% multi-vehicle discount and strong customer service contribute to a positive experience for the best Lincoln Navigator car insurance.

Cons

• Higher Premiums: Premiums may be higher compared to some competitors, which could affect the affordability of the best Lincoln Navigator car insurance. Even with the 17% multi-vehicle discount, costs can be relatively high.
• Mixed Customer Service Experiences: Some customers report mixed experiences with claims handling and customer service. This variability can impact overall satisfaction for the best Lincoln Navigator car insurance. Read more in our detailed Allstate Car Insurance Review.

#6 – Liberty Mutual: Customizable Policies

Pros

• Flexible Coverage Options: Offers a variety of coverage options including new car replacement and accident forgiveness. Liberty Mutual’s 20% multi-vehicle discount enhances value for the best Lincoln Navigator car insurance. Explore more discount options in our guide entitled “Liberty Mutual Car Insurance Review.”
• Discounts for Bundling: Provides discounts for bundling multiple policies, which can lower costs for the best Lincoln Navigator car insurance. The 20% multi-vehicle discount and customizable policies offer significant savings opportunities.
• 24/7 Customer Support: Round-the-clock customer support for claims and inquiries, ensuring support for the best Lincoln Navigator car insurance. The 20% multi-vehicle discount, combined with comprehensive service, improves overall value.

Cons

• Higher Premiums: Premiums may be higher compared to some insurers, which might not suit those seeking affordable options for the best Lincoln Navigator car insurance. Even with the 20% multi-vehicle discount, costs can remain on the higher side.
• Mixed Reviews: Some customers report mixed reviews on claims handling and customer service. These mixed experiences can impact satisfaction for the best Lincoln Navigator car insurance, despite the substantial discounts and strong financial rating.

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#7 – USAA: Military Savings

Pros

• Exceptional Service: Known for excellent customer service and high satisfaction ratings, making it a top choice for the best Lincoln Navigator car insurance. USAA’s 14% multi-vehicle discount and A++ A.M. Best rating reflect their commitment to superior support and reliability.
• Competitive Rates: Offers competitive rates and discounts, ideal for the best Lincoln Navigator car insurance. The 14% multi-vehicle discount, combined with military savings programs, provides excellent value. Uncover more by reviewing our article titled “USAA Car Insurance Review.”
• Comprehensive Coverage: Provides extensive coverage options including rental car and roadside assistance. The 14% multi-vehicle discount further enhances affordability for the best Lincoln Navigator car insurance.

Cons

• Eligibility: Limited to military members and their families, which excludes some potential customers seeking the best Lincoln Navigator car insurance. The exclusivity might limit access for non-military drivers.
• Higher Costs: Premiums can be higher for non-military members, impacting affordability for the best Lincoln Navigator car insurance. Despite the 14% multi-vehicle discount, costs might remain elevated.

#8 – AAA Insurance: Online App

Pros

• Comprehensive Coverage: Offers robust coverage options including roadside assistance and rental car coverage. The best rating provides valuable support for the best Lincoln Navigator car insurance. The coverage options ensure extensive protection for your vehicle.
• Member Benefits: Provides additional benefits and services to AAA members, adding value to the best Lincoln Navigator car insurance. The 11% multi-vehicle discount, combined with member-exclusive perks, enhances overall value.
• User-Friendly App: Features a user-friendly app for easy policy management and claims filing. This app, alongside the 11% multi-vehicle discount, simplifies the management of the best Lincoln Navigator car insurance.

Cons

• Higher Costs: Premiums can be higher compared to some competitors, potentially affecting affordability for the best Lincoln Navigator car insurance. Despite the 11% multi-vehicle discount, costs might be elevated. Get more information from our AAA car insurance review.
• Limited Availability: Insurance coverage may not be available in all areas, which can limit options for those seeking the best Lincoln Navigator car insurance. This geographic limitation may affect potential customers.

#9 – Progressive: Innovative Programs

Pros

• Competitive Rates: Known for offering competitive rates and discounts, ideal for the best Lincoln Navigator car insurance. The 19% multi-vehicle discount enhances affordability. Progressive’s A+ A.M. Best rating indicates strong financial stability.
• Snapshot Program: The innovative Snapshot program tracks driving behavior for potential discounts, beneficial for the best Lincoln Navigator car insurance. This program, combined with a 19% multi-vehicle discount, can significantly reduce premiums.
• Comprehensive Coverage: Offers a range of coverage options, including custom parts and equipment coverage. The 19% multi-vehicle discount provides added savings for the best Lincoln Navigator car insurance, making Progressive a great choice.

Cons

• Variable Customer Service: Customer service experiences can vary, which may affect satisfaction with the best Lincoln Navigator car insurance. Service variability might impact the innovative programs. To see honest rankings, read our article titled “Progressive Car Insurance Review.”
• Rate Increases: Some users report frequent rate increases after the initial policy term. This can affect long-term affordability for the best Lincoln Navigator car insurance, even with the 19% multi-vehicle discount and innovative programs.

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#10 – Nationwide: Usage Discount

Pros

• Usage-Based Discounts: Offers a usage-based discount through its SmartRide program, which can lower premiums based on driving habits. This makes Nationwide a strong contender for the best Lincoln Navigator car insurance. The A+ A.M. Best rating ensures financial stability.
• Comprehensive Coverage Options: Provides a range of coverage options including accident forgiveness and new car replacement. The 16% multi-vehicle discount and diverse coverage options enhance Nationwide’s appeal for the best Lincoln Navigator car insurance.
• Local Agents: Access to local agents for personalized service and advice. This, combined with the 16% multi-vehicle discount, offers a tailored insurance experience for the best Lincoln Navigator car insurance.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, which may affect the affordability of the best Lincoln Navigator car insurance. Despite the 16% multi-vehicle discount, costs might still be relatively high.
• Limited Discounts: While Nationwide offers usage-based and multi-vehicle discounts, it may lack some of the additional discount options available with other insurers. This limitation might impact the overall value of the best Lincoln Navigator car insurance. Read more through our Nationwide car insurance review.

Cost of Insuring a Lincoln Navigator

The cost of insuring a Lincoln Navigator typically averages around $133 per month. These rates are influenced by various factors, including the vehicle’s value, safety features, and repair costs.

Lincoln Navigator Car Insurance Monthly Rates by Coverage Level & Provider

The Lincoln Navigator, being a luxury SUV, generally has higher insurance rates compared to smaller or less expensive vehicles. However, its advanced safety features and strong safety ratings can help mitigate some of the insurance costs.

It’s important for potential owners to compare insurance quotes from the best car insurance companies to ensure they are getting the best possible rate tailored to their specific driving profile and location.

Insurance for a Lincoln Navigator Is Expensive

Lincoln Navigators tend to be more expensive to insure compared to other SUVs like the Acura RDX, Honda Passport, and Toyota 4Runner. This higher cost is often due to the Navigator’s luxury status, higher repair costs, and the value of the vehicle.

Premium SUVs like the Lincoln Navigator typically have more expensive parts and advanced technology, leading to increased repair and replacement costs, which insurers factor into their rates. However, there are strategies to find cheap car insurance for the Lincoln Navigator and secure the cheapest rates online.

Comparing quotes from multiple insurance providers and considering higher deductibles, bundling policies, or taking advantage of discounts can help reduce insurance costs. Enter your ZIP code below.

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Elements Affecting the Cost of Insuring a Lincoln Navigator

The cost of Lincoln Navigator insurance is influenced by several factors, including the trim and model you choose, with newer models generally costing more to insure. For instance, a 2018 model has an average insurance cost of $1,598, while a 2010 model costs around $1,290.

Driver age also plays a significant role; younger drivers, like 20-year-olds, may pay $163 more per month compared to 30-year-olds. Additionally, your location can impact rates, as drivers in New York might pay $416 more annually than those in Chicago (read more: Average Car Insurance Rates by Age and Gender).

Your driving record is another crucial factor, with younger drivers facing higher premiums if they have violations. Safety features and crash test ratings of the Lincoln Navigator can also affect insurance costs, along with the vehicle’s insurance loss probability for different coverage types.

Saving Money on Lincoln Navigator Insurance

There are several effective strategies to help you save on your Lincoln Navigator insurance costs. First, consider asking your insurer about seasonal insurance options. If you don’t drive your Lincoln Navigator year-round, you may qualify for reduced rates during the off-season.

Another way to reduce costs is by purchasing a Lincoln Navigator equipped with an anti-theft safety feature, as vehicles with these features are often less expensive to insure due to their lower risk of theft.

Additionally, if you’re a full-time parent, understanding your car insurance policy can help you discover that you might be eligible for cheaper Lincoln Navigator car insurance rates, as some insurers offer discounts for those who drive less frequently or prioritize safety.

Lastly, parking your Lincoln Navigator in a secure location, such as a garage or private driveway, can further reduce your insurance premiums by minimizing the risk of damage or theft. Enter your ZIP code below.

Choosing the Best Insurance Plan for Your Lincoln Navigator

Finding the best Lincoln Navigator car insurance involves more than just looking for the lowest premium; it requires a thorough comparison of coverage options, discounts, insurer reputations, and a car insurance guide.

With top providers like State Farm, Geico, and Farmers offering competitive rates and comprehensive plans, it’s crucial to evaluate each company’s strengths and how they align with your specific needs.

The Lincoln Navigator’s higher insurance costs reflect its luxury status, but by leveraging discounts, comparing quotes, and considering factors like safety features and secure parking, you can significantly reduce your premiums.

Enter your ZIP code to explore different insurance options and customize your coverage to ensure you receive the best rate and optimal protection for your Navigator. This approach will give you peace of mind, knowing you have secured the best Lincoln Navigator car insurance tailored to your specific needs.

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