Used 2020 Lincoln Navigator for Sale near Indiana

How much does the 2020 Lincoln Navigator cost?

Prices have softened 16.43% compared to this time last year, making it a favorable time to shop this model year.

There are 935 listings available, which gives you a solid 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 8.2/10 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 also come up often, which fits a large luxury SUV meant to prioritize comfort and presence.

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, upscale SUV that emphasizes comfort, space, and a premium feel over efficiency.

With 34.5% of listings marked as good or great deals, you have a meaningful chance to find a competitive price.

Is the 2020 Lincoln Navigator reliable?

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

Owners also describe it as dependable, comfortable, and a vehicle they can count on for spacious, trouble-free luxury driving. The expert evaluation reinforces that sense of durability with a strong, refined powertrain and a cabin built around long-term comfort.

Lincoln’s ownership perks add some appeal, including valet pickup and delivery for scheduled service, concierge support, and rewards benefits. For used buyers, the main long-term risk is that luxury ownership costs can still be high if maintenance or repairs are needed outside warranty coverage.

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

At 73.8% 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 body condition, signs of prior repair, and whether the cabin electronics and driver-assistance features work as expected.

Key things to evaluate:

• Trim level: The standard Navigator, Navigator Reserve, and Navigator Black Label are explicitly named, and the Reserve trim adds the Luxury Package and the Reserve Monochromatic Package in the test vehicle. The base setup already includes a 10-inch infotainment touchscreen, digital instrumentation, and Lincoln’s distinctive exterior design, while Reserve brings more upscale equipment and Black Label sits at the top of the range.
• Powertrain: The Navigator uses a 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, four-wheel drive is available, and the SUV is tuned more for smooth strength than for sporty character.
• 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 beams. Adaptive cruise control with stop-and-go is standard on Reserve trim.
• Infotainment: The Navigator uses a 10-inch touchscreen with Sync 3, Apple CarPlay, Android Auto, Lincoln Connect with a 4G LTE WiFi hotspot, 911 Assist, Lincoln Way app support, wireless device charging, and Phone As A Key. The system can feel slow to load, so test it carefully.
• Fuel efficiency: The testing loop returned 16.4 mpg, 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 already gives you the Navigator’s core strengths: the twin-turbo V6, the large luxury-SUV cabin, the 10-inch touchscreen, and standard Lincoln Co-Pilot360 safety tech. It makes sense if you want the Navigator experience at the lowest starting point.
• Navigator Reserve: This is the best-value choice for many shoppers because it adds more upscale equipment and, in the test vehicle, the Luxury Package brought the 30-way Perfect Position front seats with heating, ventilation, and massage. It also adds adaptive cruise control with stop-and-go, which makes daily driving easier.
• Navigator Black Label: This is the most luxurious choice, and Lincoln layers on even more ownership perks and premium treatment. Buy this one if you want the most exclusive Navigator experience and are willing to pay for it.

Adaptive cruise control is standard on Reserve trim, while the broader Co-Pilot360 safety suite is standard across the lineup.

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 listings.

• Deal availability: 34.5% of listings are priced as good or great deals.
• Inventory: There are 935 listings available.
• Price trend: Prices have softened 16.43% compared with last year.
• Clean inventory: 73.8% of listings are accident-free.

If you find a listing below $32,274, 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 $32,274 sits slightly below last year's $38,619.

That price movement suggests the Navigator has already absorbed a meaningful amount of depreciation, which can help future resale stability if you buy at the right number. If you purchase near the lower end of the current range, you may have less downside left than a buyer who pays closer to the top of the market.

Strong owner satisfaction also helps support demand when it’s time to sell. 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 beams. Reserve trim adds adaptive cruise control with stop-and-go capability.

The main caveat is the lower rollover resistance rating on RWD models, 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:

• 34.5% of listings are priced as good or great deals.
• At 73.8% accident-free, a meaningful share of listings has prior incidents — history verification is especially important.
• Price trend: Prices have softened 16.43% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• The 2020 stands out as Lincoln’s flagship SUV, with a quiet-luxury focus and a powerful twin-turbo V6.

Consider the 2021 if:

• At $37,202, the 2021 costs more than the current year's $32,274 average.
• It adds a quieter cabin and a more premium-feeling interior.

The bottom line: If you want the better value, the 2020 is the smarter buy because prices are softer and inventory is healthy. If you’re willing to spend more for a slightly more polished cabin experience, the 2021 is the better upgrade path.

How does the 2020 Lincoln Navigator compare to the 2020 Cadillac Escalade?

Read our full side-by-side expert comparison here.

These recommendations are based on CarGurus' proprietary market data from November 10, 2026, CarGurus experts' opinions, and generative AI.