Used 2020 Lincoln Navigator for Sale nearCharlotte, NC

How much does the 2020 Lincoln Navigator cost?

Prices have softened 12.89% compared to this time last year, making it a favorable time to shop this model year.

There are 927 listings available, which gives you a solid pool of inventory to compare.

Is the 2020 Lincoln Navigator a good car?

Yes — you’re looking at a 5/5 user-rated SUV with an 8.17/10 expert rating. The model scores 9/10 across Look and feel, Form and function, and Safety.

Owner feedback consistently points to a spacious and comfortable interior, a smooth ride, and high-quality technology. The roomy cabin and comfortable third-row seating also stand out, especially if you need genuine passenger space for family use or long trips.

The main trade-offs are poor fuel economy and the sense that the powerful engine may be more than some drivers need. In practical terms, this is a strong fit if you want a big, luxurious SUV with a commanding presence and plenty of comfort, but less ideal if efficiency is a priority. With 34.6% of listings marked as good or great deals, there’s meaningful market opportunity if you shop carefully.

Is the 2020 Lincoln Navigator reliable?

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

User feedback also emphasizes that the Navigator feels spacious, comfortable, and smooth over time, with a reputation for high-quality technology and a cabin you can count on for daily use and road trips. The expert evaluation adds that Lincoln’s ownership experience is built around customer care, which reinforces the sense of dependability.

Lincoln also includes valet pickup and delivery for scheduled dealer service, which can make maintenance easier to manage. For used buyers, the main long-term risk is that a large luxury SUV can be expensive to keep in top shape, so service history matters.

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

Accident-free inventory is solid at 76.3% — always verify the vehicle history report.

You should still check the report carefully, because a clean listing percentage does not replace a documented history. Prioritize a pre-purchase inspection that focuses on the suspension, electronics, and interior condition, since those are the areas where a luxury SUV’s age and mileage can show up first. It also helps to compare trim equipment closely so you know whether the vehicle has the comfort and driver-assistance features you expect.

Key things to evaluate:

• Trim level: The standard Navigator, Navigator Reserve, and Navigator Black Label are all explicitly named, and the Reserve trim adds the Luxury Package and can be paired with the Reserve Monochromatic Package. The base setup is less richly equipped than Reserve, while Black Label is the most upscale choice.
• 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 transmission. Rear-wheel drive is standard, with four-wheel drive available, and the SUV is strongest on open roads rather than rough pavement.
• 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. Adaptive cruise control with stop-and-go is standard on Reserve trim.
• Infotainment: The Navigator uses Sync 3 with a 10-inch touchscreen, Apple CarPlay, Android Auto, wireless device charging, Lincoln Connect with a 4G LTE WiFi hotspot, 911 Assist, and Phone As A Key. The system is functional, but it can be slow to load.
• 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, Navigator Reserve, Navigator Black Label.

Here's the short version:

• Navigator: This is the entry point, and it gives you the core Navigator experience with the big V6, luxury presence, and standard safety tech. It makes sense if you want the model’s size and comfort without paying for extra appearance or convenience upgrades.
• Navigator Reserve: This is the best-value choice for most shoppers because it adds more luxury content and can be paired with the Luxury Package and Reserve Monochromatic Package. It also brings adaptive cruise control with stop-and-go, which makes it the most well-rounded pick for everyday use.
• Navigator Black Label: Choose this if you want the most upscale version and the most catered ownership experience. It’s the trim for buyers who want the Navigator at its most indulgent.

The standard Lincoln Co-Pilot360 safety suite is included, and Reserve trim adds adaptive cruise control with stop-and-go.

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

This looks like a moderate buyer’s market, so you have room to be selective without waiting forever.

• Deal availability: 34.6% of listings are priced as good or great deals.
• Inventory: There are 927 listings available.
• Price trend: Prices have softened 12.89% compared with last year.
• Clean inventory: 76.3% of listings are accident-free.

If you find a listing below $34,506, 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 $34,514 sits slightly below last year's $39,620.

That drop suggests the market has already absorbed a meaningful amount of depreciation, which can help future sellers if prices stabilize. If you buy at the right number now, you may be starting from a more favorable position than a buyer who paid closer to last year’s average.

The Navigator’s strong owner satisfaction also helps support demand, especially among shoppers who value comfort, space, and luxury features. 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?

The 2020 Lincoln Navigator earns five-star ratings from NHTSA overall, though with RWD the rollover resistance rating is three-star.

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 resistance rating on RWD models, so if safety is a top priority, that’s worth keeping in mind as you shop.

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:

• 34.6% of listings are priced as good or great deals.
• Accident-free inventory is solid at 76.3% — always verify the vehicle history report.
• Price trend: Prices have softened 12.89% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• It combines flagship luxury with a powerful twin-turbo V6 and standard Co-Pilot360 safety tech.

Consider the 2021 if:

• At $39,537, the 2021 costs more than the current year's $34,514 average.
• It adds a quieter, more apartment-like cabin.

The bottom line: If you want the better value, the 2020 is the smarter starting point because prices have eased and inventory is healthy. If you’re willing to pay more for a newer model-year experience, the 2021 is the cleaner upgrade path; otherwise, the 2020 gives you the core Navigator strengths at a more attractive price.

These recommendations are based on CarGurus' proprietary market data from September 11, 2026, CarGurus experts' opinions, and generative AI.