Used 2020 Lincoln Navigator for Sale nearChicago, IL

How much does the 2020 Lincoln Navigator cost?

Prices have softened 12.98% compared to this time last year, making it a favorable time to shop this model year.

With 914 listings available, you have a meaningful amount of inventory to compare before you buy.

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. The roomy cabin and comfortable third-row seating also stand out, especially if you need real passenger space for family duty or long trips.

The main trade-offs are its poor fuel economy and the sense that the powerful engine may be more than some drivers need. It also feels best suited to buyers who want a big, luxurious SUV with a strong presence rather than a smaller, more efficient daily driver.

With 34.5% of listings priced as good or great deals, there are still worthwhile opportunities in the market.

Is the 2020 Lincoln Navigator reliable?

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

The owner feedback points to a dependable-feeling ownership experience, with repeated praise for the Navigator’s comfortable cabin, smooth ride, and high-quality technology. That kind of feedback suggests you can count on it to deliver the luxury experience buyers expect over time.

The expert evaluation also reinforces that impression by describing the Navigator as a polished, well-equipped flagship SUV with strong comfort and capability. Lincoln’s ownership perks, including valet pickup and delivery for scheduled service, add some convenience to the ownership experience.

For used buyers, the main long-term risk is that a large luxury SUV can be expensive to keep satisfying if fuel costs and maintenance needs matter to you.

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

At 74.9% 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, especially if the listing price looks unusually attractive. Focus on overall condition, signs of prior bodywork, and whether the luxury features and driver-assistance systems work as intended.

Key things to evaluate:

• Trim level: The Navigator lineup includes the standard Navigator, Navigator Reserve, and Navigator Black Label. The Reserve adds Lincoln’s monochromatic appearance package option and more equipment, while Black Label is the most upscale choice. Base-trim shoppers should pay close attention to feature gaps, especially if they want the richer cabin presentation and convenience equipment described on higher trims.
• 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. Rear-wheel drive is standard, with four-wheel drive available, and the Navigator is described as strong on open roads but less happy over 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 a 10-inch infotainment touchscreen with Sync 3. It includes Apple CarPlay, Android Auto, Lincoln Connect with a 4G LTE WiFi hotspot and 911 Assist, Lincoln Way app support, wireless device charging, and Phone As A Key. The system is described as slow to load, so responsiveness is worth checking on a test drive.
• Fuel efficiency: The Navigator 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, and Navigator Black Label.

Here's the short version:

• Navigator: This is the starting point, and it gives you the core Navigator experience with the big V6, luxury styling, and standard Co-Pilot360 safety equipment. It makes sense if you want the Navigator’s size and presence without chasing every upscale feature.
• Navigator Reserve: This is the best-value trim for most shoppers because it adds more luxury content and is the trim tied to the Reserve Monochromatic Package and standard adaptive cruise control. If you want the strongest mix of comfort, features, and value, this is the one to target.
• Navigator Black Label: This is the most indulgent choice, with Lincoln’s highest-end ownership experience and extra perks. Buy it if you want the most luxurious Navigator and are willing to pay for it.

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

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 worthwhile deals.

• Deal availability: 34.5% of listings are priced as good or great deals.
• Inventory: There are 914 listings available.
• Price trend: Prices have softened 12.98% compared with last year.
• Clean inventory: 74.9% of listings are accident-free.

If you find a listing below $34,254, 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 $34,264 sits slightly below last year's $39,376.

That price drop suggests the Navigator has already absorbed a meaningful amount of depreciation, which can help future resale stability if you buy at the right price. For a luxury SUV, that matters because your biggest resale risk is overpaying up front and then competing with similarly equipped listings later.

If you buy well below the current average and keep the vehicle in strong condition, you improve your odds of limiting depreciation pain. The Navigator’s strong owner satisfaction also helps support demand among shoppers who want a large, comfortable luxury SUV.

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 a five-star overall safety rating from NHTSA, though with RWD the rollover resistance rating is 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 resistance rating on RWD models, so if safety is a top priority, you should pay close attention to drivetrain choice and overall vehicle condition.

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:

• 34.5% of listings are priced as good or great deals.
• At 74.9% accident-free, a meaningful share of listings has prior incidents — history verification is especially important.
• Price trend: Prices have softened 12.98% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• The 2020 stands out as Lincoln’s flagship SUV, with a powerful engine, quiet-luxury focus, and strong towing capability.

Consider the 2021 if:

• At $39,025, the 2021 costs more than the current year's $34,264 average.
• It offers a quieter, more apartment-like cabin with comfier seating.

The bottom line: Buy the 2020 if you want the better value and are comfortable shopping carefully for condition and history. If you’re willing to pay more for a newer example, the 2021 is the better path for buyers who prioritize a slightly more refined cabin experience over upfront savings.

These recommendations are based on CarGurus' proprietary market data from September 22, 2026, CarGurus experts' opinions, and generative AI.