2027 Lincoln Navigator: real cost in Ontario
See the Navigator on Lincoln's site ↗Prices read 2026-11-06
Cheapest trim, Premiere · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$119,995the advertised price
Drive away$144,377with fees and HST
Loan payment$2,343/mo72-month loan at 6.5%, $5,000 down
True cost$2,824/moeverything, after resale
$144,377 to drive away + $111,660 to run it for 6 years − $52,716 back at resale = $203,321, or $2,824 a month.
Where the money goes
Drive away$144,377
Running it, 6 yrs+$111,660
Back at resale−$52,716
Sticker pricethe advertised MSRP
+$119,995Feesfreight $2,795 · dealer $699 (typical) · levies $100 · luxury tax $4,178
+$7,772HST, 13%Ontario
+$16,610Loan interest6.5% over 72 months
+$29,313Lost return on your money5% a year on the down payment and each payment
+$28,590Fuel18,000 km a year at 13.6 L/100 km
+$22,766Insuranceestimate, age 35–59, Toronto
+$20,390Maintenanceestimate
+$10,509Registration and plates6 years in Ontario
+$91Resale after 6 years44% of MSRP, you get this back
−$52,716True cost $203,321 ÷ 72 months$2,824 a month
The car
Size and space
BodySUV
Seats7
CargoNot published
Engine and fuel
Fuel use13.6 L/100 kmNatural Resources Canada
TowingNot published
Tires22"275/50R22
Safety and cover
US crash test✓ 5 of 5 starsNHTSA · see the test ↗
Highway assistSteers and brakeshands on the wheel · every trim
Insurance claimsWell above averagecollision 118 · theft 331 · injury 77 (100 = avg)
Warranty4 yrs / 80,000 kmpowertrain 6 yrs / 110,000 km
Resale at 6 years44% of MSRPaverage for its type
Every trim
All trims: AWD, 13.6 L/100 km, 7 seats.| Premiere | $119,995 | $144,377 | $203,321 | ✓ $2,824/mo |
| Premiere L | $123,995 | $149,801 | $209,647 | $2,912/mo |
| Reserve | $129,495 | $157,259 | $218,269 | $3,032/mo |
| Reserve L | $133,495 | $162,683 | $224,604 | $3,119/mo |
| Black Label | $146,995 | $180,989 | $245,931 | $3,416/mo |
| Black Label L | $150,995 | $186,413 | $252,218 | $3,503/mo |
Premiere
✓ $2,824/mo
True cost
Premiere L
$2,912/mo
True cost
Reserve
$3,032/mo
True cost
Reserve L
$3,119/mo
True cost
Black Label
$3,416/mo
True cost
Black Label L
$3,503/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
Premiere$119,995
Premiere L$123,995
Reserve$129,495
Reserve L$133,495
Black Label$146,995
Black Label L$150,995
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Adaptive cruise
✓ Every trim
Lane centering
✓ Every trim
Comfort
Heated rear seats
+ $4,750
Convenience
Wireless phone charging
✓ Every trim
Power driver's seat
✓ Every trim
Memory seat
✓ Every trim
Tech and audio
Premium sound system
✓ Every trim
Large touchscreen (12 in+)
✓ Every trim
Capability and looks
AWD or 4WD
✓ Every trim
Tow hitch included
+ $900
✓ from Black Label
Not listed on any trimRear cross-traffic alertHands-free driving360° cameraParking sensorsHeated seatsCooled seatsHeated steering wheelDual-zone climateMassaging seatsPush-button startRemote startPower liftgateApple CarPlay and Android AutoWireless CarPlayBuilt-in navigationHead-up displaySunroofPanoramic roofLED headlights
Full standard equipment on the Premiere (27 items)
- Lincoln Co-Pilot360 Drive 2.0
- Premiere
- Trailer Tow Prep Package
- Twin-Turbocharged 3.5L V6 Engine with Auto Start-Stop Technology
- Ten-Speed Automatic Transmission with SelectShift Capability
- Non-Limited Slip Rear Axle – 3.73
- 22” Dark Tarnished Aluminum Wheels with Bright-Machined Finish
- 22" All-Season BSW Tire - P275/50R22
- Satin Aluminum Roof Rails without Crossbars
- Front License Plate Bracket
- Grille – Satin Chrome Mesh with Satin Aluminum Open Jewel
- Shima Recon Theme
- Lincoln Soft Touch – Black Onyx
- PowerFold 40/Pass-Thru/40 Seats
- PowerFold 60/40 Split Bench with Power Recline
- Revel Audio System with 14-Speakers
- Lincoln Digital Experience
- BlueCruise Hands-Free Highway Driving (4-years Included)
- Lincoln Connectivity Package (4-years Included)
- Lincoln Security Package (4-years Included with Activation)
- SiriusXM with 360L (3-month Trial)
- 48” Panoramic Display
- Wireless Charging Pad
- Static Sequential LED Ambient Lighting
- Phone As A Key
- Airbags
- Driver Seat Profile Memory
Quick answers
- How much is a 2027 Navigator in Ontario?
- $144,377 to drive away for the Premiere, from a $119,995 sticker.
- What does it cost a month?
- A $2,343 loan payment, about $3,090 a month with insurance, fuel and upkeep ($5,000 down); about $2,824 a month all in, after resale.
- How much can it tow?
- The brand doesn't publish a towing capacity.
Colours
Pristine White Metallic Tri-Coat+$1,150Grey Mist Metallic Tri-Coat+$1,150Starlight Grey Premium Colourant+$950Bronze Fire Tinted Clearcoat+$950Nocturnal Blue Metallic Clearcoat+$950Infinite Black Metallic ClearcoatChroma Caviar Dark Grey Metallic Clearcoat+$2,500Frosted Fig Premium Colourant+$2,500
Similar SUVs
Prices from Lincoln's brand build & price (read in browser); may have changed, so confirm with a dealer. Insurance and maintenance are estimates. How we count.