Lincoln Navigator Price: MSRP, Trims & Real-World Cost

Lincoln's Navigator is the brand's full-size SUV, offered in a standard body and a longer L version. Most buyers searching for its price are really asking three questions: which trim, whether they need four-wheel drive, and whether the longer body is worth paying for.

The 2027 figures below come from MotorTrend. Its listing appears to include the destination charge, so these are closer to a sticker total than a bare MSRP. That matters when you compare them with sources that leave destination out.

The Premiere is the entry trim. In 4x2 it costs $92,890, and with 4x4 it is $95,890. The long-wheelbase L Premiere 4x2 is $95,890, which is the same listed price as the standard Premiere 4x4.

The Reserve is the middle trim. The Reserve 4x2 is $102,890, the Reserve 4x4 is $105,890, and the L Reserve 4x2 is $105,890.

At the top, the Black Label 4x2 costs $117,890, and the Black Label 4x4 is $120,890. The L Black Label 4x4, the most expensive version in the list, costs $123,890.

Since the standard and L versions share price points in some places, a few listings show the same number for two different vehicles. In the data above, the L Premiere 4x2 and the Premiere 4x4 carry one price, and so do the L Reserve 4x2 and the Reserve 4x4. One buys length, the other buys drivetrain.

The L is the longer body. If you need the extra space, price it against the standard body in the same trim and with the same drivetrain, and look at the vehicles in person. If you drive in snow or tow regularly, the drivetrain may be the better use of the money.

Car and Driver lists the 2026 Navigator MSRP range, from Premiere to Black Label, as follows.

The range runs $94,890 – $122,420. That is a different source and may treat destination differently from the MotorTrend 2027 figures, so keep the two apart. A fair comparison needs the same trim, the same body length, and the same destination treatment on both sides.

Lincoln sells packages and standalone options that change the final price, and the list differs by trim. Our data does not include option prices, so build the exact vehicle on Lincoln's website. A higher trim may already include features that a lower trim sells as extras.

Lincoln dealers set their own prices. Large luxury SUVs are sometimes sold above sticker where demand is high, and some dealers add accessories or protection packages. Ask for a written, itemized out-the-door quote. If one dealer adds charges that another does not, that tells you where the room to negotiate is.

• Fuel. A full-size SUV costs more to fuel than a smaller one. Check the EPA estimates for your trim.
• Insurance. Cost depends on your location, driving record, and the value of the trim.
• Tires and brakes. Large wheels on upper trims usually cost more to replace.
• Maintenance. Ask Lincoln about the service schedule and warranty coverage.
• Taxes and registration. State rules apply and can add up on a vehicle at this price.

Lincoln Financial and banks offer loans and leases, and the terms depend on credit, down payment, and term. Leases also depend on the mileage allowance. Compare any dealer offer with a credit union or bank quote. For financial advice, consult a licensed professional.