Used 2020 Lincoln Navigator for Sale nearIndianapolis, IN

How much does the 2020 Lincoln Navigator cost?

Prices have softened 14.44% compared to this time last year, making it a favorable time to shop this model year.

There are 929 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 8.2/10 expert score. 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 Navigator also stands out for its large size and comfortable third-row seating, which makes it a strong fit if you want a big luxury SUV that emphasizes presence and passenger space.

The main trade-offs are poor fuel economy and a powerful engine that may be more than you need. The overview frames it as a flagship luxury SUV for buyers who want comfort, capability, and a quiet-luxury feel, and that’s exactly where it lands.

With 33.6% of listings marked as good or great deals, there’s meaningful room to shop selectively.

Is the 2020 Lincoln Navigator reliable?

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

The user feedback points to a dependable-feeling ownership experience, with repeated praise for the spacious cabin, comfortable ride, and technology that owners feel good about living with over time. The expert evaluation also highlights Lincoln’s customer-care approach and ownership perks, which reinforce the sense that the brand is trying to make long-term ownership easier.

Lincoln also includes valet pickup and delivery for scheduled service, along with concierge support and other ownership benefits. For used buyers, the main long-term risk is that a luxury SUV this large can be expensive to keep if maintenance history is spotty.

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

Accident-free inventory is solid at 75.9% — always verify the vehicle history report.

You should still check the vehicle history report carefully and prioritize a pre-purchase inspection, especially on a luxury SUV with a lot of technology and comfort equipment. Focus on overall condition, how the electronics operate, and whether the ride feels composed over rough pavement. Because this model is large and complex, a clean history and well-kept maintenance record matter more than usual.

Key things to evaluate:

• Trim level: The standard Navigator, Navigator Reserve, and Navigator Black Label each bring a different luxury experience, with the Reserve adding the Luxury Package on the test vehicle and the Black Label positioned as the most upscale choice. The base setup is already luxurious, but the higher trims add more of the comfort and presentation that define this SUV.
• 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. It delivers strong acceleration and confident towing, but the engine note is not as rich as a V8 and fuel economy is a weak point.
• 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 also adds adaptive cruise control with stop-and-go capability.
• Infotainment: The Navigator uses a 10-inch infotainment 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 be slow to load, so test it carefully.
• Fuel efficiency: The expert 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, but it still gives you the core Navigator experience: big luxury-SUV presence, the twin-turbo V6, and the standard Co-Pilot360 safety suite. It makes sense if you want the Navigator’s size and comfort without chasing every extra luxury feature.
• Navigator Reserve: This is the best-value trim for most shoppers because it layers in more of the upscale equipment that makes the Navigator feel special, including the Luxury Package on the test vehicle and standard adaptive cruise control with stop-and-go. If you want the sweet spot between price and luxury, start here.
• Navigator Black Label: Choose this if you want the most indulgent version of the Navigator and care most about the brand’s premium ownership experience. It’s the top-tier expression of Lincoln luxury, with the most exclusive feel in the lineup.

The standard safety package is strong across the lineup, and Reserve trim adds adaptive cruise control.

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

This is a moderate market for selective buyers, so you can shop with some leverage if you’re patient.

• Deal availability: 33.6% of listings are priced as good or great deals.
• Inventory: There are 929 listings available.
• Price trend: Prices have softened 14.44% compared with last year.
• Clean inventory: 75.9% of listings are accident-free.

If you find a listing below $33,569, 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 $33,569 sits slightly below last year's $39,232.

That drop suggests the market has moved in buyers’ favor, which can make the Navigator easier to purchase now than it was a year ago. For a future seller, it also means you should expect resale value to depend heavily on condition, mileage, and equipment level.

Because this is a luxury SUV with strong owner satisfaction, well-kept examples should continue to attract interest. Clean history and desirable trim content will matter a lot 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.

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.

One caveat is that with rear-wheel drive, NHTSA rates rollover resistance at just three stars. IIHS has not tested this model year.

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:

• 33.6% of listings are priced as good or great deals.
• Accident-free inventory is solid at 75.9% — always verify the vehicle history report.
• Price trend: Prices have softened 14.44% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• It combines flagship comfort with a powerful twin-turbo V6 and standard Co-Pilot360 safety.

Consider the 2021 if:

• At $37,512, the 2021 costs more than the current year's $33,569 average.
• It adds a more luxury-apartment-like feel with comfier seating and a quieter cabin.

The bottom line: If you want the better value, the 2020 is the smarter buy because prices have eased and the core Navigator strengths are already here. If you’re willing to spend more for a slightly more polished feel, the 2021 is the 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 October 21, 2026, CarGurus experts' opinions, and generative AI.