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Cheapest 2004 Lincoln Navigator Car Insurance (Dec 2023)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2004 Lincoln Navigator
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R.E. Fulton
Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does car insurance cost for a 2004 Lincoln Navigator

The average cost of car insurance for a 2004 Lincoln Navigator is $1,152 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2004 Lincoln Navigator are 25% less
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2004 Lincoln Navigator, use
Jerry
to get a detailed
car insurance price comparison

Compare the cheapest 2004 Lincoln Navigator car insurance quotes

Thousands of smart Lincoln Navigator drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $1,087 per year on car insurance. Below are cheap quotes Jerry found for 2004 Lincoln Navigator drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
December 27, 2023
Progressive
$145
• 100,000/300,000 Liability
December 26, 2023
Mercury
$62
• State Minimum Liability
December 25, 2023
AAA
$109
• 15,000/30,000 Liability
December 22, 2023
Dairyland
$85
• 50,000/100,000 Liability
December 10, 2023
Bristol West
$170
• No Coverage Liability
coverageLast Updated Dec 27, 2023
However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates.

The best car insurance companies for 2004 Lincoln Navigator owners

There’s no best company for all 2004 Lincoln Navigator drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. 
Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well. 
The table below shows how 2004 Lincoln Navigator drivers rated different insurance companies in these three categories, as well as overall.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Average 2004 Lincoln Navigator insurance costs

From working with lots of 2004 Lincoln Navigator drivers, we found that the average cost of minimum liability coverage is $96 per month, or $1,152 per year. The average cost for full coverage insurance for 2004 Lincoln Navigator drivers is $183 per month or $2,196 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$96
$1,152
Full coverage
$183
$2,196
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of
liability insurance
. In some states,
uninsured/underinsured motorist coverage
and/or
personal injury protection
are also required by law. 
Full coverage car insurance
, on the other hand, includes
collision
and
comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more.

Compare insurance information for other Lincolns

2004 Lincoln Navigator insurance costs by trim level

The cost of car insurance for a 2004 Lincoln Navigator is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.

How expensive is 2004 Lincoln Navigator insurance compared to other years?

Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage. 
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old. 
The table below compares the average insurance cost of a Lincoln Navigator manufactured in 2004 with that of the four closest model years.
CarMinimum CoverageFull Coverage
1998 Lincoln Navigator
$82
$192
2000 Lincoln Navigator
$102
$138
2001 Lincoln Navigator
$92
$229
2002 Lincoln Navigator
$78
$258
2003 Lincoln Navigator
$109
$205
2004 Lincoln Navigator
$96
$183
2005 Lincoln Navigator
$156
$176
2006 Lincoln Navigator
$94
$121
2007 Lincoln Navigator
$116
$131
2008 Lincoln Navigator
$99
$236
2010 Lincoln Navigator
$76
$150
2011 Lincoln Navigator
$84
$127
2012 Lincoln Navigator
$100
$164
2015 Lincoln Navigator
$31
$187

Compare car insurance by car year

Are 2004 Lincoln Navigators expensive to insure? 

On average, car insurance for a 2004 Lincoln Navigator costs $96. Compared with other models in a similar price range, it costs 25% less to insure a 2004 Lincoln Navigator.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2004 Lincoln Navigator
$96
$183
2004 BMW 530
$98
$268
2004 Mercedes-Benz C
$100
$229
2004 Audi A4
$101
$150
2004 Jaguar X-Type
$118
$187
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.

2004 Lincoln Navigator
NHTSA safety ratings

Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)
Side - Pole Barrier combined (REAR)
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)