Cadillac Escalade vs Lincoln Navigator: cost to own

Verdict, over 6 years

The Lincoln Navigator costs about $28,236 less

That's $392 a month. Closest matching trims: same fuel and drive where possible.

Escalade$3,216/moTrue cost

Navigator Premiere✓ $2,824/moTrue cost

2026 Cadillac Escalade

Closest matching trim: Escalade

Sticker (MSRP)$121,299

+$25,659→↓Freight, fees, HST

Drive away$146,958

+ running costs→↓− $41,944 resale

True cost$3,216/moA month to own, after resale

2027 Lincoln Navigator

Closest matching trim: Navigator Premiere

Sticker (MSRP)$119,995

+$24,382→↓Freight, fees, HST

Drive away$144,377

+ running costs→↓− $52,716 resale

True cost$2,824/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$121,299	✓ $119,995	Navigator by $1,304
Freight and fees, before tax	$8,753	✓ $7,772	Navigator by $981
Sales tax (HST)	$16,907	✓ $16,610	Navigator by $297
Drive-away price	$146,958	✓ $144,377	Navigator by $2,581
Running costs, 6 years
Fuel or charging	$29,970	✓ $22,766	Navigator by $7,204
Insurance (estimate)	$24,284	✓ $20,390	Navigator by $3,894
Maintenance (estimate)	$13,254	✓ $10,509	Navigator by $2,745
Loan rate	6.5%	6.5%	—
Loan interest	$29,856	✓ $29,313	Navigator by $543
Lost return on your money	$29,088	✓ $28,590	Navigator by $498
Resale after 6 yrs	−$41,944	✓ −$52,716	Navigator by $10,772
Total
True cost	$231,557	✓ $203,321	Navigator by $28,236
True cost a month	$3,216/mo	✓ $2,824/mo	Navigator by $392
You pay each month	$3,325/mo	✓ $3,090/mo	Navigator by $235
Practical
Fuel type	Premium gas	Gas	—
Seats	7	7	—
Carry-ons, 2 people	8+	Not published	—
Towing, lb	7,900	—	—
Cargo behind row 2, litres	2,064	Not published	—
Length	5.38 m	—	—
Resale % after 6 yrs	35%	✓ 44%	—
US crash test	5★	5★	—

Price

Sticker (MSRP)

Escalade $121,299Navigator Premiere ✓ $119,995Cheaper by Navigator by $1,304

Freight and fees, before tax

Escalade $8,753Navigator Premiere ✓ $7,772Cheaper by Navigator by $981

Sales tax (HST)

Escalade $16,907Navigator Premiere ✓ $16,610Cheaper by Navigator by $297

Drive-away price

Escalade $146,958Navigator Premiere ✓ $144,377Cheaper by Navigator by $2,581

Running costs, 6 years

Fuel or charging

Escalade $29,970Navigator Premiere ✓ $22,766Cheaper by Navigator by $7,204

Insurance (estimate)

Escalade $24,284Navigator Premiere ✓ $20,390Cheaper by Navigator by $3,894

Maintenance (estimate)

Escalade $13,254Navigator Premiere ✓ $10,509Cheaper by Navigator by $2,745

Loan rate

Escalade 6.5%Navigator Premiere 6.5%Cheaper by —

Loan interest

Escalade $29,856Navigator Premiere ✓ $29,313Cheaper by Navigator by $543

Lost return on your money

Escalade $29,088Navigator Premiere ✓ $28,590Cheaper by Navigator by $498

Resale after 6 yrs

Escalade −$41,944Navigator Premiere ✓ −$52,716Cheaper by Navigator by $10,772

Total

True cost

Escalade $231,557Navigator Premiere ✓ $203,321Cheaper by Navigator by $28,236

True cost a month

Escalade $3,216/moNavigator Premiere ✓ $2,824/moCheaper by Navigator by $392

You pay each month

Escalade $3,325/moNavigator Premiere ✓ $3,090/moCheaper by Navigator by $235

Practical

Fuel type

Escalade Premium gasNavigator Premiere GasCheaper by —

Seats

Escalade 7Navigator Premiere 7Cheaper by —

Carry-ons, 2 people

Escalade 8+Navigator Premiere Not publishedCheaper by —

Towing, lb

Escalade 7,900Navigator Premiere —Cheaper by —

Cargo behind row 2, litres

Escalade 2,064Navigator Premiere Not publishedCheaper by —

Length

Escalade 5.38 mNavigator Premiere —Cheaper by —

Resale % after 6 yrs

Escalade 35%Navigator Premiere ✓ 44%Cheaper by —

US crash test

Escalade 5★Navigator Premiere 5★Cheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). These trims differ in fuel (premium gas vs gas), which drives part of the gap. Their stickers differ by $1,304.