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Used 2021 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

$76,516*

Total Cash Price

$48,200

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

True Cost to Own

$77,530*

Total Cash Price

$47,687

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

True Cost to Own

$73,189*

Total Cash Price

$45,607

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

True Cost to Own

$82,084*

Total Cash Price

$55,025

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

True Cost to Own

$82,514*

Total Cash Price

$53,175

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

True Cost to Own

$74,545*

Total Cash Price

$46,858

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

True Cost to Own

$71,226*

Total Cash Price

$43,184

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

True Cost to Own

$71,666*

Total Cash Price

$46,584

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

True Cost to Own

$73,744*

Total Cash Price

$45,819

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

True Cost to Own

$69,407*

Total Cash Price

$45,361

Ownership Costs: 5-Year Total

Depreciation

$27,695

Taxes & Fees

$4,624

Financing

$8,454

Fuel

$13,113

Insurance

$8,458

Repairs

$5,105

Maintenance

$9,067

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Navigator SUV Reserve 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,593$1,641$1,690$1,741$1,793$8,458
Maintenance$2,426$956$1,265$1,739$2,681$9,067
Repairs$885$949$1,017$1,089$1,165$5,105
Taxes & Fees$4,448$0$88$0$88$4,624
Financing$2,896$2,337$1,736$1,089$396$8,454
Depreciation$8,182$4,994$4,378$4,763$5,378$27,695
Fuel$2,470$2,544$2,620$2,699$2,780$13,113
True Cost to Own®$22,900$13,421$12,794$13,120$14,281$76,516
Selected Model:

2021 Navigator SUV L Reserve 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,688$1,739$1,791$1,845$1,900$8,963
Maintenance$2,426$956$1,265$1,739$2,681$9,067
Repairs$885$949$1,017$1,089$1,165$5,105
Taxes & Fees$4,401$0$87$0$87$4,575
Financing$2,865$2,312$1,718$1,078$391$8,364
Depreciation$8,415$5,527$5,294$4,904$4,203$28,343
Fuel$2,470$2,544$2,620$2,699$2,780$13,113
True Cost to Own®$23,150$14,027$13,792$13,354$13,207$77,530
Selected Model:

2021 Navigator SUV Reserve 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,586$1,634$1,683$1,733$1,785$8,421
Maintenance$2,397$956$1,265$1,496$2,663$8,777
Repairs$844$905$970$1,040$1,112$4,871
Taxes & Fees$4,212$0$83$0$83$4,378
Financing$2,740$2,211$1,643$1,031$374$7,999
Depreciation$8,167$5,061$4,794$4,221$4,118$26,361
Fuel$2,332$2,402$2,474$2,549$2,625$12,382
True Cost to Own®$22,278$13,169$12,912$12,070$12,760$73,189
Selected Model:

2021 Navigator SUV Black Label 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,593$1,641$1,690$1,741$1,793$8,458
Maintenance$2,426$956$1,265$1,739$2,681$9,067
Repairs$885$949$1,017$1,089$1,165$5,105
Taxes & Fees$5,069$0$100$0$100$5,269
Financing$3,306$2,668$1,981$1,244$452$9,651
Depreciation$8,992$6,239$5,910$5,204$5,076$31,421
Fuel$2,470$2,544$2,620$2,699$2,780$13,113
True Cost to Own®$24,741$14,997$14,583$13,716$14,047$82,084
Selected Model:

2021 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$1,688$1,739$1,791$1,845$1,900$8,963
Maintenance$2,426$956$1,265$1,739$2,681$9,067
Repairs$885$949$1,017$1,089$1,165$5,105
Taxes & Fees$4,901$0$97$0$97$5,095
Financing$3,195$2,578$1,915$1,202$436$9,326
Depreciation$10,451$6,161$5,478$5,135$4,620$31,845
Fuel$2,470$2,544$2,620$2,699$2,780$13,113
True Cost to Own®$26,016$14,927$14,183$13,709$13,679$82,514
Selected Model:

2021 Navigator SUV L Reserve 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,649$1,698$1,749$1,802$1,856$8,754
Maintenance$2,397$956$1,265$1,496$2,663$8,777
Repairs$844$905$970$1,040$1,112$4,871
Taxes & Fees$4,325$0$85$0$85$4,495
Financing$2,815$2,272$1,688$1,059$384$8,218
Depreciation$8,451$5,170$4,901$4,317$4,209$27,048
Fuel$2,332$2,402$2,474$2,549$2,625$12,382
True Cost to Own®$22,813$13,403$13,132$12,263$12,934$74,545
Selected Model:

2021 Navigator SUV 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,526$1,572$1,619$1,668$1,718$8,103
Maintenance$2,397$956$1,265$1,496$2,663$8,777
Repairs$844$905$970$1,040$1,112$4,871
Taxes & Fees$3,991$0$78$0$78$4,147
Financing$2,595$2,093$1,555$977$354$7,574
Depreciation$8,160$4,978$4,424$4,147$3,663$25,372
Fuel$2,332$2,402$2,474$2,549$2,625$12,382
True Cost to Own®$21,845$12,906$12,385$11,877$12,213$71,226
Selected Model:

2021 Navigator SUV L Fleet 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,679$1,729$1,781$1,835$1,890$8,914
Maintenance$1,148$956$1,265$461$1,402$5,232
Repairs$885$949$1,017$1,089$1,165$5,105
Taxes & Fees$4,301$0$85$0$85$4,471
Financing$2,799$2,258$1,678$1,053$382$8,170
Depreciation$8,469$5,059$4,793$4,222$4,118$26,661
Fuel$2,470$2,544$2,620$2,699$2,780$13,113
True Cost to Own®$21,751$13,495$13,239$11,359$11,822$71,666
Selected Model:

2021 Navigator SUV 4dr SUV 4WD (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,624$1,673$1,723$1,775$1,828$8,623
Maintenance$2,299$956$1,265$1,612$2,553$8,685
Repairs$885$949$1,017$1,089$1,165$5,105
Taxes & Fees$4,231$0$83$0$83$4,397
Financing$2,753$2,221$1,650$1,036$376$8,036
Depreciation$7,619$5,051$4,786$4,216$4,113$25,785
Fuel$2,470$2,544$2,620$2,699$2,780$13,113
True Cost to Own®$21,881$13,394$13,144$12,427$12,898$73,744
Selected Model:

2021 Navigator SUV L Fleet 4dr SUV (3.5L 6cyl Turbo 10A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,691$1,742$1,794$1,848$1,903$8,978
Maintenance$1,246$956$1,265$345$1,512$5,324
Repairs$844$905$970$1,040$1,112$4,871
Taxes & Fees$4,189$0$82$0$82$4,353
Financing$2,725$2,200$1,633$1,026$372$7,956
Depreciation$7,695$4,965$4,702$4,141$4,040$25,543
Fuel$2,332$2,402$2,474$2,549$2,625$12,382
True Cost to Own®$20,722$13,170$12,920$10,949$11,646$69,407

*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.