2027 Lincoln Navigator: real cost in California
See the Navigator on Lincoln's US site ↗US prices read 2026-11-09
Cheapest trim, Premiere · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$89,995the advertised price
Drive away$101,333with fees and tax
Loan payment$1,642/mo72-month loan at 7%, $5,000 down
True cost$2,338/moeverything, after resale
$101,333 to drive away + $103,860 to run it for 6 years − $36,885 back at resale = $168,309, or $2,338 a month.
Where the money goes
Drive away$101,333
Running it, 6 yrs+$103,860
Back at resale−$36,885
Sticker pricethe advertised MSRP
+$89,995Feesfreight $2,895 · doc fee $85 (typical)
+$2,980Sales and use tax, 8.99%California
+$8,358Fuel13,500 mi a year at 18 MPG
+$25,863Loan interest7% over 72 months
+$21,919Lost return on your money5% a year on the down payment and each payment
+$20,550Insuranceestimate, age 35–59, California
+$19,772Maintenanceestimate
+$11,422Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$4,335Resale after 6 years41% of MSRP, you get this back
−$36,885True cost $168,309 ÷ 72 months$2,338 a month
The car
Size and space
BodyNavigator, Navigator L
Seats7
CargoNot published
Engine and fuel
Engine440 hp gas, 4X2
0–60 mph5.7 sour estimate from power and weight
Fuel economy18 MPGEPA combined
TowingUp to 6,600 lb
Tires22"275/50R22
Safety and cover
Crash test✓ 5 of 5 starsNHTSA · see the test ↗
Highway assistSteers and brakeshands on the wheel · every trim
Warranty4 yrspowertrain 6 yrs
Resale at 6 years41% of MSRPaverage for its type
Every trim
All trims: 4X2, 440 hp, 18 MPG, 7 seats.| Premiere | $89,995 | $101,333 | $168,309 | ✓ $2,338/mo | 6,200 |
| Premiere L | $92,995 | $104,603 | $172,059 | $2,390/mo | 6,600 |
| Reserve | $99,995 | $112,232 | $180,783 | $2,511/mo | 6,200 |
| Reserve L | $102,995 | $115,502 | $184,286 | $2,560/mo | 6,600 |
| Black Label | $114,995 | $128,581 | $199,322 | $2,768/mo | 6,200 |
| Black Label L | $117,995 | $131,851 | $202,825 | $2,817/mo | 6,600 |
Premiere
✓ $2,338/mo
True cost
Premiere L
$2,390/mo
True cost
Reserve
$2,511/mo
True cost
Reserve L
$2,560/mo
True cost
Black Label
$2,768/mo
True cost
Black Label L
$2,817/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it.Feature
Premiere$89,995
Premiere L$92,995
Reserve$99,995
Reserve L$102,995
Black Label$114,995
Black Label L$117,995
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Adaptive cruise
✓ Every trim
Lane centering
✓ Every trim
Comfort
Heated seats
✓ Every trim
Cooled seats
✓ from Reserve
Heated rear seats
✓ Every trim
Massaging seats
✓ Every trim
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
Tow hitch included
✓ from Black Label
Sunroof
✓ Every trim
Panoramic roof
✓ from Reserve
Not listed on any trimRear cross-traffic alertHands-free driving360° cameraParking sensorsHeated steering wheelDual-zone climatePush-button startRemote startPower liftgateApple CarPlay and Android AutoWireless CarPlayBuilt-in navigationHead-up displayAWD or 4WDLED headlights
Full standard equipment on the Premiere (33 items)
- Trailer Tow Prep Package
- Class IV with 4-Pin and 7-Pin Connectors
- Smart Trailer Tow
- Trailer Sway Control
- Twin-Turbocharged 3.5L V6 Engine with Auto Start-Stop Technology
- Ten-Speed Automatic Transmission with SelectShift Capability
- 10-Speed Automatic Transmission with SelectShift Capability
- 22” Dark Tarnished Aluminum Wheels with Bright-Machined Finish
- 18” Spare Tire BSW A/T – 265/70R18
- 22" All-Season BSW Tire – P275/50R22
- Shima Recon Theme
- Black Onyx – Lincoln Soft Touch
- 24-Way Perfect Position Driver Seat
- 22-Way Perfect Position Front Passenger Seats
- Auto Heated Driver and Front Passenger Seats with Massage and Power Lumbar
- Driver Seat Profile (Memory)
- Fixed Head Restraint
- PowerFold 40/Pass-Thru/40
- Power Release Tilt-and-Slide Functionality
- PowerFold 60/40 Split Bench with Power Recline
- PowerFold 40/Pass-Thru/40 Seats
- Heated Rear Seat with Head Restraints
- Revel Audio System with 14-Speakers
- Lincoln Digital Experience
- SiriusXM with 360L (3-month Trial)
- Lincoln Connectivity Package (4-years included)
- Lincoln Security Package (4-years Included with Activation)
- BlueCruise Hands-Free Highway Driving (4-years Included)
- Lincoln Co-Pilot360 Drive 2.0
- Phone As A Key
- Underfloor Storage
- Fixed Foot Pedals
- 48” Panoramic Display
Recalls
8 NHTSA recalls for 2025 to 2027 Navigator models. Dealers fix them free; a new car should have them done before delivery. Ask the dealer to check the VIN.
Seats2025, 2026, 2027 · 36,994 vehicles
The Rear Audio Control Module (RACM) may inadvertently command the chauffeur seat feature, causing the front passenger seat to adjust forward, rearward, or recline unexpectedly without occupant input.Recall 26V691000 at NHTSA ↗Back over prevention2025 · 254,640 vehicles
The Image Processing Module A (IPMA) may experience multiple unexpected resets, resulting in loss of the rearview camera image and advanced driver assistance (ADAS) features, including pre-collision assist...Recall 26V165000 at NHTSA ↗Seats2026 · 1,189 vehicles
The obstacle detection software for the driver seat may malfunction at low speeds, resulting in the seat reversing unexpectedly while driving.Recall 26V120000 at NHTSA ↗Electrical system2025, 2026, 2027 · 4,381,878 vehicles
When towing a trailer, the integrated trailer module (ITRM) may lose communication with the vehicle, possibly causing a loss of brake and turn signal lights, or a loss of brake function.Recall 26V104000 at NHTSA ↗Exterior lighting2025 · 1,195 vehicles
The rear lightbar may have cracks in the outer lens or weld track that allow moisture to accumulate, which can result in inoperative or flickering reverse lights.Recall 25V831000 at NHTSA ↗Service brakes2025 · 679 vehicles
The Electronic Brake Booster (EBB) module may malfunction while driving or when the driver is utilizing an Advanced Driver Assistance System (ADAS) feature, resulting in a loss of power brake assist.Recall 25V823000 at NHTSA ↗Quick answers
- How much is a 2027 Navigator in California?
- $101,333 to drive away for the Premiere, from a $89,995 sticker.
- What does it cost a month?
- A $1,642 loan payment, about $2,495 a month with insurance, fuel and upkeep ($5,000 down); about $2,338 a month all in, after resale.
- How much can it tow?
- From 6,200 lb to 6,600 lb, depending on the trim.
Colors
Pristine White Metallic Tri-Coat+$950Gray Mist Metallic Tri-Coat+$950Starlight Gray Premium Colorant+$750Bronze Fire Tinted Clearcoat+$750Nocturnal Blue Metallic Clearcoat+$750Infinite Black Metallic ClearcoatChroma Caviar Dark Gray Metallic Clearcoat+$2,000Frosted Fig Premium Colorant+$2,000
Similar SUVs
US prices in US dollars from Lincoln's US website, read 2026-11-09; destination as the brand lists it. Taxes, registration and the dealer doc fee follow your state. Insurance and maintenance are estimates. How we count.