How much does the 2020 Lincoln Navigator cost?

Prices have softened 13.55% compared to this time last year, making it a favorable time to shop this model year.

There are 922 listings available, which suggests you have room to compare options.

If you find a listing below $34,683.67, that's toward the low end of the year-round range and worth acting on quickly.

Is the 2020 Lincoln Navigator a good car?

Yes — the 2020 Lincoln Navigator earns a 5/5 user rating and an 8.17/10 expert rating. The model scores 9/10 across Look and feel, Form and function, and Safety.

Owners consistently praise the spacious and comfortable interior, the smooth ride, and the high-quality technology. They also like the comfortable third row and the SUV’s overall luxury feel.

The main trade-offs are poor fuel efficiency and an engine that may feel like more power than you need. Even so, the Navigator fits you well if you want a big, upscale SUV with strong presence, serious room, and a comfort-first personality.

Only 31.8% of listings are priced as good or great deals, so the market still rewards careful shopping.

Is the 2020 Lincoln Navigator reliable?

Owners rate it 5/5, a strong signal of long-term satisfaction.

The user feedback points to a vehicle that feels dependable in daily use, with owners repeatedly highlighting comfort, technology, and a trouble-free ownership experience. That kind of feedback matters when you’re shopping used, because it suggests the Navigator can be a model you feel confident counting on over time.

The expert review also describes Lincoln’s ownership experience as supported by customer care perks, which adds to the sense that the brand is trying to make long-term ownership easier. For used buyers, the main risk is less about the core vehicle and more about making sure the specific example you choose has been maintained well.

What should I look for when buying a used 2020 Lincoln Navigator?

At 74% accident-free, a meaningful share of listings has prior incidents — history verification is especially important.

You should start with a vehicle history report and then prioritize a thorough pre-purchase inspection. Focus on condition, maintenance records, and signs of wear that matter on a large luxury SUV, especially if you plan to use it for family travel or towing.

Key things to evaluate:

• Trim level: The standard Navigator is the entry point, while Reserve adds more luxury content and standard adaptive cruise control with stop-and-go capability. Black Label sits at the top with the most upscale presentation.
• Powertrain: You get a single twin-turbocharged 3.5-liter V6 with 450 horsepower and 510 lb-ft of torque, paired with a 10-speed automatic. It is strong, but fuel economy is a weak point, and the engine may feel like more power than you need.
• Safety package: Lincoln Co-Pilot360 is standard and includes forward-collision warning with pedestrian detection, automatic emergency braking, lane-departure warning with lane-keeping assistance, blind-spot warning with trailer coverage, rear cross-traffic warning, and automatic high-beam headlights. Reserve trim adds adaptive cruise control with stop-and-go.
• Infotainment: The Navigator uses a 10-inch touchscreen with Apple CarPlay, Android Auto, wireless device charging, Lincoln Connect with a 4G LTE WiFi hotspot, 911 Assist, and Phone As A Key. The system can feel slow to load, and the optional rear-seat entertainment setup is not standard.
• Fuel efficiency: The SUV averaged 16.4 mpg on the testing loop, and the EPA says to expect 18 mpg in combined driving.

Which 2020 Lincoln Navigator trim should I buy?

The 2020 Lincoln Navigator is offered in 3 trim levels: Navigator, Reserve, Black Label.

Here's the short version:

• Base trim: The standard Navigator gives you the core luxury SUV experience, but you miss out on Reserve’s standard adaptive cruise control with stop-and-go and the richer upscale content found higher up.
• Sweet-spot trim: Reserve is the best value if you want the strongest balance of luxury and convenience, since it adds more premium equipment and the standard safety upgrade.
• Premium/top trim: Black Label is the most luxurious choice, with the most exclusive ownership experience and the richest presentation.

Reserve trim also gets adaptive cruise control with stop-and-go as standard.

Is now a good time to buy a used 2020 Lincoln Navigator?

This looks like a moderate, selective buyer’s market, so you can shop carefully and still find opportunities.

• Deal availability: 31.8% of listings are priced as good or great deals.
• Inventory: There are 922 listings available.
• Price trend: Prices have softened 13.55% compared with last year.
• Clean inventory: 74.0% of listings are accident-free.

If you find a listing below $34,683.67, that's toward the low end of the year-round range and worth acting on quickly.

What is the 2020 Lincoln Navigator's resale value?

The current average of $34,663 sits slightly below last year's $40,096.

That price movement suggests the Navigator has already absorbed a meaningful amount of depreciation, which can be helpful if you’re buying used now. For a future seller, it also means there may be less room for dramatic value loss than there was when the vehicle was newer, especially if you keep mileage and condition in check.

Strong demand for large luxury SUVs can help support pricing, but fuel economy and running costs still matter to shoppers in this segment. If you maintain the vehicle well and keep it clean, you improve your odds of holding onto more value.

Vehicles with strong owner satisfaction ratings, like this model year's 5/5, tend to retain buyer demand, which supports resale value over time.

Is the 2020 Lincoln Navigator safe?

It earns a five-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA). However, with RWD, the NHTSA says the rollover resistance rating is just three stars.

It earns a 9/10 safety score from our experts.

Lincoln Co-Pilot360 is standard and includes forward-collision warning with pedestrian detection, automatic emergency braking, lane-departure warning with lane-keeping assistance, blind-spot warning with trailer coverage, rear cross-traffic warning, and automatic high-beam headlights. Reserve trim adds adaptive cruise control with stop-and-go capability.

The main caveat is the lower rollover rating on rear-wheel-drive versions, so that’s worth keeping in mind if you’re comparing drivetrains.

Should I buy a 2020 Lincoln Navigator or consider a different year?

If you're weighing the 2020 against nearby model years, here's how to think about it:

Choose the 2020 if:

• 31.8% of listings are priced as good or great deals.
• At 74% accident-free, a meaningful share of listings has prior incidents — history verification is especially important.
• Price trend: Prices have softened 13.55% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• The 2020 Navigator combines flagship luxury, strong towing ability, and a comfortable third row.

Consider the 2021 if:

• At $40,084, the 2021 costs more than the current year's $34,663 average.
• It adds a quieter, more refined cabin with comfier seating.

The bottom line: If you want the better value, the 2020 is the smarter buy because prices are down and the core luxury experience remains strong. If you’re willing to pay more for a slightly more refined cabin, the 2021 is the better upgrade path.

These recommendations are based on CarGurus' proprietary market data from August 21, 2026, CarGurus experts' opinions, and generative AI.