Lincoln Navigator Insurance: by Model Year & Company
Lincoln Navigator insurance costs an average of $1,331 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Lincoln Navigator at $208/mo or $1,250 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Lincoln Navigator:
- The Navigator costs more to insure than most SUVs. Averaging $222/mo for the Navigator versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the Navigator, like the Lincoln Aviator ($225/mo), Lincoln Continental ($206/mo), or Lincoln MKZ ($169/mo), your insurance costs will be about the same.
- Progressive ($167/mo), American Family ($170/mo), Erie ($187/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,499 |
| Nationwide |
$2,663 |
| American Family |
$2,934 |
| Erie |
$3,565 |
| State Farm |
$3,634 |
| GEICO |
$4,231 |
| USAA |
$4,546 |
| Farmers |
$6,008 |
| Allstate |
$6,077 |
Compare all 2025 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$4,0972024 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,468 |
| Nationwide |
$2,723 |
| American Family |
$2,786 |
| Erie |
$3,459 |
| State Farm |
$3,499 |
| GEICO |
$4,051 |
| USAA |
$4,490 |
| Farmers |
$5,375 |
| Allstate |
$5,515 |
Compare all 2024 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$3,9112023 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,415 |
| American Family |
$2,682 |
| Nationwide |
$2,745 |
| USAA |
$3,105 |
| State Farm |
$3,249 |
| Erie |
$3,318 |
| GEICO |
$3,908 |
| Farmers |
$5,098 |
| Allstate |
$5,497 |
Compare all 2023 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$3,6272022 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,362 |
| American Family |
$2,364 |
| Erie |
$2,567 |
| State Farm |
$2,755 |
| Nationwide |
$2,811 |
| USAA |
$2,971 |
| GEICO |
$3,329 |
| Allstate |
$3,814 |
| Farmers |
$4,752 |
Compare all 2022 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$3,1282021 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,072 |
| Progressive |
$2,263 |
| Erie |
$2,409 |
| Nationwide |
$2,462 |
| State Farm |
$2,649 |
| USAA |
$2,841 |
| GEICO |
$3,220 |
| Allstate |
$3,497 |
| Farmers |
$4,511 |
Compare all 2021 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,9422020 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,070 |
| Progressive |
$2,164 |
| Erie |
$2,329 |
| Nationwide |
$2,463 |
| State Farm |
$2,568 |
| USAA |
$2,698 |
| GEICO |
$3,098 |
| Allstate |
$3,602 |
| Farmers |
$4,270 |
Compare all 2020 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,8712019 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$2,044 |
| American Family |
$2,103 |
| Progressive |
$2,123 |
| USAA |
$2,424 |
| State Farm |
$2,454 |
| Nationwide |
$2,497 |
| GEICO |
$2,922 |
| Allstate |
$3,299 |
| Farmers |
$3,999 |
Compare all 2019 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,7122018 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,977 |
| USAA |
$1,984 |
| American Family |
$2,065 |
| Nationwide |
$2,379 |
| Erie |
$2,382 |
| State Farm |
$2,502 |
| GEICO |
$3,011 |
| Farmers |
$3,833 |
| Allstate |
$4,185 |
Compare all 2018 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,7692017 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,809 |
| Progressive |
$1,863 |
| American Family |
$1,937 |
| Erie |
$2,058 |
| State Farm |
$2,183 |
| Nationwide |
$2,378 |
| GEICO |
$2,526 |
| Allstate |
$3,416 |
| Farmers |
$3,572 |
Compare all 2017 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,4422016 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,848 |
| Progressive |
$1,860 |
| American Family |
$1,912 |
| Erie |
$2,029 |
| State Farm |
$2,224 |
| GEICO |
$2,509 |
| Nationwide |
$2,545 |
| Allstate |
$3,261 |
| Farmers |
$3,408 |
Compare all 2016 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,4362015 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,667 |
| American Family |
$1,678 |
| USAA |
$1,791 |
| Progressive |
$1,880 |
| State Farm |
$1,992 |
| Nationwide |
$2,099 |
| GEICO |
$2,264 |
| Allstate |
$2,790 |
| Farmers |
$2,984 |
Compare all 2015 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,1822014 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,478 |
| Progressive |
$1,558 |
| USAA |
$1,567 |
| Erie |
$1,572 |
| Nationwide |
$1,846 |
| State Farm |
$1,876 |
| GEICO |
$1,964 |
| Allstate |
$2,573 |
| Farmers |
$2,596 |
Compare all 2014 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$1,9302013 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,502 |
| American Family |
$1,512 |
| USAA |
$1,577 |
| Progressive |
$1,647 |
| State Farm |
$1,812 |
| GEICO |
$1,952 |
| Nationwide |
$2,108 |
| Farmers |
$2,596 |
| Allstate |
$2,849 |
Compare all 2013 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$2,0072012 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,444 |
| USAA |
$1,453 |
| Erie |
$1,488 |
| Progressive |
$1,513 |
| Nationwide |
$1,620 |
| State Farm |
$1,711 |
| GEICO |
$1,883 |
| Farmers |
$2,452 |
| Allstate |
$2,886 |
Compare all 2012 Lincoln Navigator insurance rates.
Average Cost to Insure Per Year
$1,8752011 Lincoln Navigator
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,342 |
| USAA |
$1,401 |
| American Family |
$1,515 |
| Progressive |
$1,526 |
| State Farm |
$1,707 |
| Nationwide |
$1,769 |
| GEICO |
$1,808 |
| Farmers |
$2,322 |
| Allstate |
$2,884 |