Skip to main content

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

$71,234*

Total Cash Price

$41,857

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

True Cost to Own

$71,876*

Total Cash Price

$42,001

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

True Cost to Own

$74,676*

Total Cash Price

$45,626

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

True Cost to Own

$67,442*

Total Cash Price

$39,791

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

True Cost to Own

$74,923*

Total Cash Price

$47,012

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

True Cost to Own

$68,059*

Total Cash Price

$39,635

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

True Cost to Own

$64,734*

Total Cash Price

$36,631

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

True Cost to Own

$65,535*

Total Cash Price

$37,722

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

True Cost to Own

$66,566*

Total Cash Price

$39,014

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

True Cost to Own

$66,715*

Total Cash Price

$39,623

Ownership Costs: 5-Year Total

Depreciation

$27,066

Taxes & Fees

$3,352

Financing

$7,341

Fuel

$12,692

Insurance

$7,263

Repairs

$5,146

Maintenance

$8,374

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$1,368$1,409$1,451$1,495$1,540$7,263
Maintenance$911$1,188$1,562$2,299$2,414$8,374
Repairs$890$956$1,025$1,098$1,177$5,146
Taxes & Fees$3,212$35$35$35$35$3,352
Financing$2,515$2,029$1,508$946$343$7,341
Depreciation$7,037$4,773$4,930$5,397$4,929$27,066
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$18,324$12,852$13,047$13,882$13,129$71,234
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$1,435$1,478$1,522$1,568$1,615$7,618
Maintenance$911$1,188$1,562$2,299$2,414$8,374
Repairs$890$956$1,025$1,098$1,177$5,146
Taxes & Fees$3,223$35$35$35$35$3,363
Financing$2,524$2,036$1,512$950$345$7,367
Depreciation$8,240$5,530$5,049$4,569$3,928$27,316
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$19,614$13,685$13,241$13,131$12,205$71,876
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$1,435$1,478$1,522$1,568$1,615$7,618
Maintenance$911$1,188$1,562$2,299$2,414$8,374
Repairs$890$956$1,025$1,098$1,177$5,146
Taxes & Fees$3,497$35$35$35$35$3,637
Financing$2,741$2,212$1,644$1,031$374$8,002
Depreciation$8,476$6,014$5,384$4,936$4,397$29,207
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$20,341$14,345$13,708$13,579$12,703$74,676
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$1,347$1,387$1,429$1,472$1,516$7,151
Maintenance$911$1,188$1,456$2,400$2,306$8,261
Repairs$849$911$978$1,047$1,121$4,906
Taxes & Fees$3,056$35$35$35$35$3,196
Financing$2,391$1,929$1,433$900$326$6,979
Depreciation$7,696$5,128$4,294$4,157$3,653$24,928
Fuel$2,264$2,332$2,402$2,474$2,549$12,021
True Cost to Own®$18,514$12,910$12,027$12,485$11,506$67,442
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$1,368$1,409$1,451$1,495$1,540$7,263
Maintenance$911$1,188$1,562$2,299$2,414$8,374
Repairs$890$956$1,025$1,098$1,177$5,146
Taxes & Fees$3,602$35$35$35$35$3,742
Financing$2,825$2,279$1,693$1,063$385$8,245
Depreciation$8,356$6,068$5,435$4,892$4,710$29,461
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$20,343$14,397$13,737$13,494$12,952$74,923
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$1,384$1,426$1,468$1,512$1,558$7,348
Maintenance$911$1,188$1,456$2,400$2,306$8,261
Repairs$849$911$978$1,047$1,121$4,906
Taxes & Fees$3,044$35$35$35$35$3,184
Financing$2,381$1,922$1,427$896$326$6,952
Depreciation$7,629$5,086$4,257$4,122$3,622$24,716
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$18,589$13,030$12,157$12,624$11,659$68,059
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,277$1,315$1,355$1,395$1,437$6,779
Maintenance$911$1,188$1,456$2,400$2,306$8,261
Repairs$849$911$978$1,047$1,121$4,906
Taxes & Fees$2,816$35$35$35$35$2,956
Financing$2,201$1,776$1,319$828$301$6,425
Depreciation$7,470$4,597$4,117$3,704$3,498$23,386
Fuel$2,264$2,332$2,402$2,474$2,549$12,021
True Cost to Own®$17,788$12,154$11,662$11,883$11,247$64,734
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$1,351$1,392$1,433$1,476$1,521$7,173
Maintenance$911$1,188$1,562$2,299$2,414$8,374
Repairs$890$956$1,025$1,098$1,177$5,146
Taxes & Fees$2,899$35$35$35$35$3,039
Financing$2,266$1,829$1,359$853$309$6,616
Depreciation$6,275$4,827$4,042$3,912$3,439$22,495
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$16,983$12,689$11,992$12,285$11,586$65,535
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$1,292$1,331$1,371$1,412$1,454$6,860
Maintenance$911$1,188$1,562$2,299$2,414$8,374
Repairs$890$956$1,025$1,098$1,177$5,146
Taxes & Fees$2,997$35$35$35$35$3,137
Financing$2,344$1,892$1,405$882$320$6,843
Depreciation$6,379$5,101$4,269$4,133$3,632$23,514
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$17,204$12,965$12,203$12,471$11,723$66,566
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$1,332$1,372$1,413$1,456$1,499$7,072
Maintenance$911$1,188$1,456$2,400$2,306$8,261
Repairs$849$911$978$1,047$1,121$4,906
Taxes & Fees$3,043$35$35$35$35$3,183
Financing$2,381$1,921$1,427$895$325$6,949
Depreciation$6,581$5,079$4,254$4,119$3,619$23,652
Fuel$2,391$2,462$2,536$2,612$2,691$12,692
True Cost to Own®$17,488$12,968$12,099$12,564$11,596$66,715

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

Shop nowLearn about the 2020 Navigator 

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.