Cheap Lincoln Navigator L Car Insurance in 2024 (Save With These 10 Companies)
The best options for cheap Lincoln Navigator L car insurance start at $52 monthly, offered by Mercury, American Family, and State Farm. With competitive monthly rates and robust coverage options tailored for Lincoln Navigator L owners, these insurers stand out for their affordability and comprehensive policies.
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: Jul 18, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 18, 2024
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 are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for Lincoln Navigator L
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Lincoln Navigator L
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Lincoln Navigator L
A.M. Best Rating
Complaint Level
Pros & Cons
The top pick overall for cheap Lincoln Navigator L car insurance is Mercury Insurance, offering the lowest monthly rates at $52.
Following Mercury, American Family and State Farm stand out as the best providers, balancing affordability with extensive coverage options and a variety of discounts. Mercury excels with customizable coverage and personalized service, while American Family is known for its loyalty rewards and strong customer support.
Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $52 | A | Cheapest Rates | Mercury | |
#2 | $57 | A | Loyalty Rewards | American Family | |
#3 | $63 | B | Many Discounts | State Farm | |
#4 | $66 | A+ | Qualifying Coverage | Progressive | |
#5 | $69 | A++ | Bundling Policies | Travelers | |
#6 | $74 | A | Customizable Policies | Farmers | |
#7 | $77 | A+ | Vanishing Deductible | Nationwide | |
#8 | $81 | A+ | UBI Savings | Allstate | |
#9 | $83 | A+ | Dividend Payments | Amica | |
#10 | $88 | A | 24/7 Support | Liberty Mutual |
State Farm, despite slightly higher rates, offers numerous discounts and wide availability, making these three insurers the best choices for Lincoln Navigator L owners seeking comprehensive and budget-friendly insurance, including access to lesser known car insurance discounts. Ready to shop around for the best car insurance company? Enter your ZIP code above and see which one offers the coverage you need.
- Mercury Insurance is the top pick at $52/month for Lincoln Navigator L insurance
- American Family and State Farm offer competitive coverage and discounts
- They cater to Lincoln Navigator L owners seeking affordable, customizable policies
#1 – Mercury Insurance: Top Overall Pick
Pros
- Lowest Monthly Rates: Mercury Insurance offers the most affordable rate at $52 per month for Lincoln Navigator L car insurance.
- Customizable Coverage Options: Mercury allows policyholders to tailor their coverage to fit specific needs, which is beneficial for owners of luxury vehicles like the Lincoln Navigator L.
- Strong Financial Stability: Rated A by A.M. Best, Mercury Insurance is financially sound, ensuring reliable claim payouts.
- Discounts Available: Offers various discounts, including multi-policy, good driver, and anti-theft device discounts. Uncover more by delving into our article entitled “Mercury Insurance Review & Ratings.“
Cons
- Limited Geographic Availability: Mercury Insurance is not available in all states, which could be a drawback for some Lincoln Navigator L owners.
- High Deductibles: Some policyholders may find the deductible options to be higher compared to other insurers.
- Mixed Customer Reviews: While many customers praise the affordability, some have reported issues with claims processing and customer service.
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#2 – American Family: Best for Loyalty Rewards
Pros
- Competitive Rates: At $57 per month, American Family offers competitive rates for Lincoln Navigator L insurance.
- Loyalty Rewards Program: American Family rewards long-term customers with discounts and benefits, which can reduce insurance costs over time.
- Wide Range of Coverage Options: Includes liability, collision, comprehensive, and additional coverage for custom parts and equipment.
- Various Discounts: Offers discounts for safe drivers, multi-policy holders, and customers with safety features installed in their vehicles.
Cons
- Higher Monthly Premiums: At $57 per month, American Family is slightly more expensive than Mercury Insurance.
- Availability Limitations: Not available in all states, which may limit access for some customers. For additional insights, refer to our “American Family Insurance Review & Ratings.“
- Claim Processing Times: Some customers have reported longer-than-expected processing times for claims.
#3 – State Farm: Best for Many Discounts
Pros
- Competitive Rates: State Farm offers Lincoln Navigator L insurance at $63 per month. Dive deeper into our State Farm insurance review & ratings for a comprehensive understanding.
- Multiple Discounts: Provides a variety of discounts, including safe driver, multi-policy, and vehicle safety features discounts.
- Strong Financial Rating: Holds a B rating from A.M. Best, indicating good financial stability.
- Robust Coverage Options: Includes liability, collision, comprehensive, medical payments, and rental reimbursement.
Cons
- Higher Monthly Premiums: At $63 per month, rates are higher than those of Mercury and American Family.
- Mixed Financial Rating: A B rating from A.M. Best, while solid, is lower than some competitors.
- Customer Service Variability: Customer service experiences can vary widely depending on the local agent.
#4 – Progressive: Best for Unique Coverage Options
Pros
- Affordable Rates: Progressive offers Lincoln Navigator L insurance for $66 per month, which is competitive within the industry.
- Comprehensive Coverage Options: Provides extensive coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Financial Strength: With an A+ rating from A.M. Best, Progressive is a financially strong company. Deepen your understanding with our article called “Progressive Car Insurance Review & Ratings.“
- Snapshot Program: Progressive’s usage-based insurance program can help safe drivers save even more on their premiums.
Cons
- Higher Premiums: At $66 per month, Progressive’s rates are higher compared to Mercury and American Family.
- Mixed Customer Reviews: Some customers report dissatisfaction with claims handling and customer service.
- Potential for Higher Rates with Snapshot: Usage-based insurance programs can result in higher premiums if driving habits are deemed risky.
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#5 – Travelers: Best for Bundling Policies
Pros
- Competitive Rates: Travelers offers insurance for Lincoln Navigator L at $69 per month.
- Bundling Discounts: Significant savings available for customers who bundle auto with home or other types of insurance.
- Strong Financial Rating: A++ rating from A.M. Best, indicating superior financial stability.
- Comprehensive Coverage Options: Includes liability, collision, comprehensive, and rental reimbursement coverage.
Cons
- Higher Monthly Premiums: At $69 per month, Travelers is more expensive than several other top picks.
- Limited Discounts: Fewer discount options compared to some competitors. Find out more by reading our article titled “Travelers Insurance Review & Ratings.“
- Variable Customer Service: Customer service experience can vary depending on the region.
#6 – Farmers: Best for Customizable Policies
Pros
- Competitive Rates: Insurance for Lincoln Navigator L starts at $74 per month with Farmers.
- Customizable Coverage: Offers highly customizable policy options to fit individual needs.
- Strong Financial Rating: Rated A by A.M. Best, indicating strong financial health.
- Discounts Available: Provides various discounts, including for safe drivers, multi-policy holders, and more. Gain insights by reading our article titled “Farmers Car Insurance Review & Ratings.“
Cons
- Higher Monthly Premiums: At $74 per month, Farmers is more expensive compared to Mercury, American Family, and State Farm.
- Customer Service Variability: Some customers report inconsistent experiences with customer service.
- Availability Limitations: Not available in all states, which may limit accessibility for some customers.
#7 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible program reduces your deductible over time for safe driving, saving you money in the event of a claim.
- Affordability: With monthly rates at $77, Nationwide offers competitive pricing for Lincoln Navigator L insurance.
- Discounts: Offers multiple discounts, such as multi-policy, good student, and anti-theft device discounts, which can further lower your premium.
- A+ Rating from A.M. Best: High financial stability rating indicating reliable claims handling and customer service.
Cons
- Limited Coverage Area: Availability of certain discounts and programs like the vanishing deductible may vary by state. Gain deeper understanding through our article entitled “Nationwide Insurance Review & Ratings.“
- Customer Service: Some customers report mixed experiences with customer service, which could affect satisfaction during claims processing.
- Optional Coverages Costs: Optional coverages, like rental reimbursement or roadside assistance, can add to the overall cost of the policy.
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#8 – Allstate: Best for UBI Savings
Pros
- Usage-Based Insurance (UBI) Savings: Allstate’s Drive wise program offers significant savings for safe drivers by monitoring driving habits.
- Competitive Rates: With monthly rates at $81, Allstate provides affordable options for insuring a Lincoln Navigator L.
- Diverse Coverage Options: Includes collision, comprehensive, liability, and additional coverages like gap insurance and new car replacement.
- Discount Programs: Extensive discount programs including safe driver, multi-policy, and new car discounts.
Cons
- Higher Base Rates: Without participation in the UBI program, base rates can be higher compared to other insurers.
- Drivewise Program Participation: Savings from the UBI program depend on driver participation and driving behavior, which might not suit everyone. Explore further with our article entitled “Allstate Insurance Review & Ratings.“
- Mixed Reviews on Claims Handling: Some customers have reported dissatisfaction with the claims process, citing delays and communication issues.
#9 – Amica: Best for Dividend Payments
Pros
- Dividend Payments: Amica offers policies that return a portion of the premium to policyholders, potentially reducing overall insurance costs.
- Affordable Monthly Rates: At $83 per month, Amica provides competitive pricing for Lincoln Navigator L insurance.
- Flexible Coverage Options: Offers a full range of coverages including liability, collision, and comprehensive, plus optional add-ons like rental reimbursement and roadside assistance.
- A+ Rating from A.M. Best: Strong financial stability, ensuring reliable payment of claims.
Cons
- Limited Availability of Dividends: Dividend payments are not available in all states, limiting benefits for some policyholders. Get a better grasp by checking out our article titled “Amica Car Insurance Discounts.“
- Higher Premiums Without Dividends: Policies without dividend options may have higher premiums compared to other providers.
- Digital Experience: The online and mobile experience may not be as advanced as competitors, affecting ease of managing policies digitally.
#10 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Customer Support: Liberty Mutual offers round-the-clock customer service, ensuring help is available anytime it’s needed.
- Competitive Rates: Monthly rates at $88, providing a balance between cost and coverage quality for Lincoln Navigator L owners.
- Extensive Coverage Options: Comprehensive offerings including liability, collision, and comprehensive coverages, along with unique options like accident forgiveness and new car replacement.
- Discount Opportunities: Multiple discounts available, including multi-car, safe driver, and homeowner discounts. Get a better grasp by reading our article titled “Liberty Mutual Review & Ratings.“
Cons
- Higher Rates: Monthly rates are slightly higher compared to other top providers like Nationwide and Allstate.
- Complex Discount Application: Some customers find the process of qualifying for and applying discounts complex and time-consuming.
- Variable Customer Service: Reports of inconsistent customer service experiences, which can impact claims satisfaction and overall user experience.
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Factors Affecting Lincoln Navigator L Car Insurance Rates
When determining the cost of insuring a Lincoln Navigator L, insurance providers consider several key factors. These include your driving record, the age and experience of the driver, the make and model of the vehicle, the coverage options you choose, and your location.
A clean driving record and more experienced drivers generally lead to lower premiums, while younger or less experienced drivers may face higher rates. Additionally, the specific make and model of the vehicle, such as the luxury Lincoln Navigator L, can impact the cost due to its value and repair expenses.
Insurance Company Minimum Coverage Full Coverage
Allstate $81 $164
American Family $57 $129
Amica $83 $169
Farmers $74 $153
Liberty Mutual $88 $174
Mercury $52 $123
Nationwide $77 $158
Progressive $66 $142
State Farm $63 $137
Travelers $69 $147
Understanding how each of these elements influences your insurance premiums is crucial in estimating the overall cost of insuring a Lincoln Navigator L. Choosing the right coverage options, such as liability, collision, and comprehensive coverage, also plays a significant role in determining your premiums. Your location can affect rates as well, with urban areas often having higher insurance costs due to increased traffic and accident risks.
By considering all these factors, you can better navigate the insurance landscape and find the most suitable and cost-effective policy for your Lincoln Navigator L. For additional insights, refer to our “What is the difference between a deductible and a premium in car insurance?“ Find cheap car insurance quotes by entering your ZIP code below.
Exploring the Average Cost of Insuring a Lincoln Navigator L
Understanding the average cost of insuring a Lincoln Navigator L can help you plan your budget effectively. On average, insuring a Lincoln Navigator L typically ranges from $150 to $208 per month. However, these figures can vary based on several factors such as your location, driving history, age, and the level of coverage you choose.
Insurance premiums may also be influenced by the vehicle’s value and safety features. It’s essential to compare quotes from multiple insurance providers to find the best coverage at a competitive price tailored to your specific needs and circumstances.
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By researching insurance options and understanding the factors that affect premiums, you can make informed decisions to manage costs effectively. Additionally, maintaining a good driving record, considering higher deductibles, and exploring potential discounts like bundling policies or installing security features can help lower your insurance expenses for the Lincoln Navigator L.
Taking these steps can contribute to securing comprehensive coverage while optimizing your insurance investment. Dive deeper into our fleet vehicle insurance for a comprehensive understanding.
Exploring Coverage Options for Your Lincoln Navigator L
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Comparing Insurance Providers for Lincoln Navigator L Coverage Options
When insuring your Lincoln Navigator L, it’s crucial to compare coverage options from various insurance providers. Each insurer uses unique calculation methods and offers different coverage options and rates. By obtaining quotes from multiple companies, you can effectively compare their offerings to find the best fit for your needs.
This approach ensures you get the most suitable coverage at a competitive price. Utilizing resources like our expert guide titled “Best Car Insurance by Vehicle” can also help identify top insurers for your specific vehicle model.
Additionally, consider insurance companies that specialize in luxury vehicle coverage. These providers often have tailored policies that offer additional benefits specific to high-end vehicles like the Lincoln Navigator L.
Such policies can provide enhanced protection and perks, making them a worthwhile consideration for luxury vehicle owners. Comparing these specialized insurers with general providers will help you find the best insurance solution for your luxury SUV. Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Choosing the Right Deductible for Your Lincoln Navigator L Car Insurance
Selecting the appropriate deductible for your Lincoln Navigator L car insurance policy is a critical decision that can significantly impact your insurance premiums and financial stability in the event of an accident. Understanding how deductibles work and considering your financial circumstances can help you navigate this decision with confidence.
A deductible is the initial amount you must pay out of pocket before your insurance coverage begins to cover the remaining costs of a claim. This amount varies depending on what you choose when setting up your policy. Here are the steps to choosing the right deductible:
- Understand Your Deductible: Familiarize yourself with how deductibles function in car insurance. It’s crucial to know that higher deductibles typically result in lower premiums, while lower deductibles mean higher premiums.
- Assess Financial Comfort: Evaluate your financial situation and determine how much you can comfortably afford to pay as a deductible in case of an accident or other covered event. This assessment should consider your savings and monthly budget.
- Balance Premium Savings: Consider the trade-off between deductible amounts and insurance premiums. Choosing a higher deductible can lead to lower monthly or annual premiums but requires you to cover more out of pocket if you file a claim.
- Evaluate Vehicle Value: Take into account the current value of your Lincoln Navigator L. Higher deductibles might be more suitable for newer or higher-value vehicles where potential repair costs are higher.
- Consult with Your Insurer: Speak with your insurance provider to discuss deductible options. They can provide insights into how different deductible amounts will impact your premiums and coverage options, helping you make an informed decision.
Choosing the right deductible for your Lincoln Navigator L car insurance policy involves finding a balance between potential savings on premiums and your financial preparedness in the event of an accident.
By understanding the implications of deductible choices and considering your financial situation, you can select a deductible amount that offers both financial security and affordable premiums. Explore further details in our “Best Car Insurance Discounts for Disabled Drivers.“
Summary: Cheap Lincoln Navigator L Car Insurance
Lincoln Navigator L owners can find affordable car insurance with monthly rates starting at $52 from top providers like Mercury, American Family, and State Farm. These insurers offer competitive rates and robust coverage options tailored for luxury vehicle owners, with Mercury standing out for its customizable coverage and personalized service, American Family for its loyalty rewards, and State Farm for its numerous discounts and wide availability.
Factors influencing insurance premiums include driving record, age and experience, vehicle make and model, coverage options, and location. To secure the best rates, it’s essential to compare quotes from multiple insurers, consider bundling policies, and maintain a clean driving record. Find out more by reading our “Your Insurance Agent’s Role in the Claims Process.” Find cheap car insurance quotes by entering your ZIP code below.
Frequently Asked Questions
What factors affect the cost of insurance for a Lincoln Navigator L?
The cost of insurance for a Lincoln Navigator L can be influenced by several factors, including the driver’s age, driving history, location, coverage options, deductible amount, and the insurance company’s underwriting guidelines. Find out more by reading our article titled “Best Car Insurance Discounts for Teamsters.”
Do safety features on the Lincoln Navigator L lower insurance costs?
Yes, the Lincoln Navigator L comes equipped with various safety features such as advanced airbags, stability control, anti-lock brakes, and collision warning systems. These safety features can potentially lower insurance costs as they reduce the risk of accidents and injuries. Ready to find affordable car insurance? Enter your Zip code get started.
Does insurance cost more for a new versus an older Lincoln Navigator L?
In general, the cost of insurance for a new Lincoln Navigator L may be higher compared to an older model. This is because new vehicles typically have higher market values, and their repair or replacement costs are usually more expensive for insurance companies.
Do insurance rates vary based on the location of the insured individual?
Yes, insurance rates can vary based on the location of the insured individual. Factors such as population density, crime rates, and accident rates in the area can affect insurance premiums. Urban areas or regions with higher rates of theft or accidents may have higher insurance costs. Explore further with our article entitled “Lowes Car Insurance Discounts.”
Can I get an insurance discount for my Lincoln Navigator L with a good driving record?
Yes, many insurance companies offer discounts to policyholders with good driving records. If you have a clean driving history without any accidents or traffic violations, you may be eligible for a lower premium on your Lincoln Navigator L
Which brand of car has the cheapest insurance?
Generally, brands like Honda, Subaru, and Ford tend to have lower insurance costs due to their affordability and safety records.
What type of car insurance is the cheapest?
Liability-only insurance is usually the cheapest option, covering damages to others in an accident you cause. Broaden your knowledge with our article named “Loya Car Insurance Discounts.”
What is the lowest form of car insurance?
The lowest form is liability insurance, which meets state minimum requirements and covers damages to others in accidents you’re responsible for.
Which car insurance group is the cheapest?
Cars in lower insurance groups, typically small and less powerful vehicles, tend to have cheaper insurance rates.
Which type of car insurance is best?
The best type depends on your needs. Comprehensive insurance offers the most coverage, including theft and damage from non-accident-related incidents. Dive deeper into our National General car insurance discounts for a comprehensive understanding.
Which category of car insurance is best?
Comprehensive insurance is often considered the best as it provides coverage for a wide range of incidents, beyond just collisions.
What is the best car insurance?
The best car insurance varies by individual needs and preferences. Companies like USAA, Amica, and State Farm are often highly rated for customer satisfaction and coverage options.
Which is the most expensive form of car insurance?
Fully comprehensive insurance, which covers a wide range of risks, including theft and vandalism, tends to be the most expensive. Delve into the depths of our safety insurance car insurance discounts for additional insights.
What is the most basic car insurance?
The most basic form is liability insurance, which covers damages to others but not your own vehicle.
What is the cheapest category for car insurance?
Generally, cars in lower insurance groups (1-10) are the cheapest to insure due to their lower risk profiles.
What is the least amount of car insurance you need?
The minimum required insurance varies by state but typically includes liability coverage to cover damages to others. Expand your understanding with our “Best No Claims Car Insurance Discounts.”
Who normally has the cheapest car insurance?
Drivers with clean records, good credit, and who drive less frequently often qualify for the cheapest car insurance rates.
What is the most expensive car insurance group?
Cars in higher groups, often luxury or high-performance vehicles, tend to have the most expensive insurance rates.
What is the best car insurance for beginners?
Companies that offer good customer service, clear policies, and educational resources are often recommended for new drivers, such as Geico and Progressive. Learn more about our best paperless car insurance discounts for a broader perspective.
What is the best and most reliable car insurance?
Companies like Amica, State Farm, and Allstate are often cited for their reliability and customer satisfaction.
What is the best cover for car insurance?
Comprehensive coverage is typically considered the best cover as it protects against a wide range of risks.
What is fully comprehensive car insurance?
Fully comprehensive car insurance provides the highest level of cover, including damage to your vehicle from accidents, theft, fire, and other incidents. Elevate your knowledge with our “Best State of Florida Employee Car Insurance Discounts.”
Who is known for the cheapest car insurance?
Companies like Geico, Progressive, and USAA are often recognized for offering competitive rates and various discounts.
What is the highest car insurance?
Insurance for high-end luxury vehicles, sports cars, and exotic cars tends to be the most expensive due to their high value and repair costs.
What is the least amount of car insurance coverage?
The least amount typically required by law is liability insurance, covering damages to others in accidents you cause. When you’re ready to see how much you can save on your car insurance, Enter your ZIP code below into our free comparison tool.
Is car insurance mandatory in the USA?
Yes, car insurance is mandatory in almost all states in the USA, with minimum liability coverage required to legally drive a vehicle. Get a better grasp by reading our article titled “Best First Responder Car Insurance Discounts.“
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.