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Used 2020 Lincoln Navigator Cost to Own

Total 5-Year Ownership Costs

Navigator SUV

Reserve 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

True Cost to Own

$70,451*

Total Cash Price

$42,754

L Reserve 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

True Cost to Own

$72,055*

Total Cash Price

$42,667

L Black Label 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

True Cost to Own

$75,074*

Total Cash Price

$46,293

Reserve 4dr SUV (3.5L 6cyl Turbo 10A)

True Cost to Own

$67,575*

Total Cash Price

$40,265

Black Label 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

True Cost to Own

$74,472*

Total Cash Price

$46,633

L Reserve 4dr SUV (3.5L 6cyl Turbo 10A)

True Cost to Own

$69,708*

Total Cash Price

$41,251

4dr SUV (3.5L 6cyl Turbo 10A)

True Cost to Own

$65,505*

Total Cash Price

$37,823

L Fleet 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

True Cost to Own

$68,691*

Total Cash Price

$41,085

4dr SUV 4WD (3.5L 6cyl Turbo 10A)

True Cost to Own

$68,602*

Total Cash Price

$39,210

L Fleet 4dr SUV (3.5L 6cyl Turbo 10A)

True Cost to Own

$66,889*

Total Cash Price

$39,296

Ownership Costs: 5-Year Total

Depreciation

$27,625

Taxes & Fees

$2,940

Financing

$7,499

Fuel

$13,268

Insurance

$5,028

Repairs

$5,414

Maintenance

$8,677

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Navigator SUV Reserve 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$947$975$1,005$1,035$1,066$5,028
Maintenance$935$1,240$1,620$2,386$2,496$8,677
Repairs$939$1,007$1,078$1,154$1,236$5,414
Taxes & Fees$2,800$35$35$35$35$2,940
Financing$2,569$2,073$1,539$967$351$7,499
Depreciation$8,091$5,296$5,122$4,862$4,254$27,625
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$18,780$13,200$13,050$13,170$12,251$70,451
Selected Model:

2020 Navigator SUV L Reserve 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$956$985$1,014$1,045$1,076$5,076
Maintenance$935$1,240$1,620$2,386$2,496$8,677
Repairs$939$1,007$1,078$1,154$1,236$5,414
Taxes & Fees$2,794$35$35$35$35$2,934
Financing$2,564$2,068$1,537$964$350$7,483
Depreciation$8,856$5,698$5,517$5,244$3,888$29,203
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$19,543$13,607$13,452$13,559$11,894$72,055
Selected Model:

2020 Navigator SUV L Black Label 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$956$985$1,014$1,045$1,076$5,076
Maintenance$935$1,240$1,620$2,386$2,496$8,677
Repairs$939$1,007$1,078$1,154$1,236$5,414
Taxes & Fees$3,029$35$35$35$35$3,169
Financing$2,781$2,245$1,667$1,047$379$8,119
Depreciation$9,085$6,446$5,957$5,664$4,199$31,351
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$20,224$14,532$14,022$14,062$12,234$75,074
Selected Model:

2020 Navigator SUV Reserve 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$876$902$929$957$986$4,650
Maintenance$935$1,240$1,506$2,495$2,381$8,557
Repairs$896$960$1,029$1,101$1,177$5,163
Taxes & Fees$2,639$35$35$35$35$2,779
Financing$2,419$1,952$1,450$911$330$7,062
Depreciation$7,273$5,542$5,287$4,860$3,836$26,798
Fuel$2,367$2,438$2,511$2,586$2,664$12,566
True Cost to Own®$17,405$13,069$12,747$12,945$11,409$67,575
Selected Model:

2020 Navigator SUV Black Label 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$947$975$1,005$1,035$1,066$5,028
Maintenance$935$1,240$1,620$2,386$2,496$8,677
Repairs$939$1,007$1,078$1,154$1,236$5,414
Taxes & Fees$3,051$35$35$35$35$3,191
Financing$2,802$2,261$1,679$1,054$383$8,179
Depreciation$9,117$6,197$5,730$5,258$4,413$30,715
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$20,290$14,289$13,798$13,653$12,442$74,472
Selected Model:

2020 Navigator SUV L Reserve 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$885$912$939$967$996$4,699
Maintenance$935$1,240$1,506$2,495$2,381$8,557
Repairs$896$960$1,029$1,101$1,177$5,163
Taxes & Fees$2,703$35$35$35$35$2,843
Financing$2,479$1,999$1,486$933$338$7,235
Depreciation$8,122$5,738$5,389$4,956$3,738$27,943
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$18,519$13,458$13,035$13,218$11,478$69,708
Selected Model:

2020 Navigator SUV 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$835$860$886$912$940$4,433
Maintenance$935$1,240$1,506$2,495$2,381$8,557
Repairs$896$960$1,029$1,101$1,177$5,163
Taxes & Fees$2,481$35$35$35$35$2,621
Financing$2,273$1,833$1,362$856$310$6,634
Depreciation$7,782$5,060$4,826$4,516$3,347$25,531
Fuel$2,367$2,438$2,511$2,586$2,664$12,566
True Cost to Own®$17,569$12,426$12,155$12,501$10,854$65,505
Selected Model:

2020 Navigator SUV L Fleet 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$873$899$926$954$983$4,635
Maintenance$935$1,240$1,620$2,386$2,496$8,677
Repairs$939$1,007$1,078$1,154$1,236$5,414
Taxes & Fees$2,692$35$35$35$35$2,832
Financing$2,469$1,991$1,480$929$337$7,206
Depreciation$7,490$5,454$5,123$4,626$3,966$26,659
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$17,897$13,200$12,913$12,815$11,866$68,691
Selected Model:

2020 Navigator SUV 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$847$872$899$926$953$4,497
Maintenance$935$1,240$1,620$2,386$2,496$8,677
Repairs$939$1,007$1,078$1,154$1,236$5,414
Taxes & Fees$2,571$35$35$35$35$2,711
Financing$2,356$1,901$1,412$886$322$6,877
Depreciation$8,196$5,538$5,202$4,950$3,272$27,158
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$18,343$13,167$12,897$13,068$11,127$68,602
Selected Model:

2020 Navigator SUV L Fleet 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$870$896$923$951$979$4,619
Maintenance$935$1,240$1,506$2,495$2,381$8,557
Repairs$896$960$1,029$1,101$1,177$5,163
Taxes & Fees$2,576$35$35$35$35$2,716
Financing$2,361$1,905$1,415$889$322$6,892
Depreciation$7,318$5,245$4,926$4,450$3,735$25,674
Fuel$2,499$2,574$2,651$2,731$2,813$13,268
True Cost to Own®$17,455$12,855$12,485$12,652$11,442$66,889

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.