Used 2020 Lincoln Navigator for Sale nearIndianapolis, IN

How much does the 2020 Lincoln Navigator cost?

Prices have softened 13.64% 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 a workable amount of inventory to compare. If you find a listing below $34,535.72, 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. The third row also comes up often as a genuinely comfortable place to spend time, which matters if you use this SUV for family duty or long trips.

The main trade-offs are poor fuel economy and an engine that may feel more powerful than you need. In practice, that means the Navigator fits you best if you want a large, luxurious SUV with real presence and comfort rather than maximum efficiency.

With 29.0% of listings marked as good or great deals, there is still room to shop selectively.

Is the 2020 Lincoln Navigator reliable?

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

User feedback points to a dependable-feeling ownership experience, with repeated praise for comfort, space, and the kind of technology that makes daily use easier. The overall tone from owners suggests a vehicle you can count on for long-haul comfort and family use.

The expert evaluation also emphasizes Lincoln’s customer-care approach and ownership perks, which can make the experience feel more supported over time. That said, as a used luxury SUV, your long-term risk is less about basic appeal and more about making sure the specific example you buy has been maintained carefully.

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

Accident-free inventory is solid at 75.5% — always verify the vehicle history report.

You should still check the history report carefully, because a clean listing percentage does not replace a vehicle-by-vehicle review. Prioritize a pre-purchase inspection, especially on a large luxury SUV where ride quality, electronics, and wear items matter. Focus on condition details that affect daily comfort, since that is a major reason to buy this model in the first place.

Key things to evaluate:

• Trim level: The standard Navigator, Reserve, and Black Label each bring a different luxury experience, and the Reserve trim adds adaptive cruise control with stop-and-go capability. If you want the strongest value, the Reserve is the trim to focus on because it layers in meaningful comfort and safety equipment without jumping all the way to the top.
• Powertrain: You get 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, and four-wheel drive is available if you want added traction.
• 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 capability.
• Infotainment: The Navigator uses a 10-inch touchscreen with 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 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, Reserve, Black Label.

Here's the short version:

• Navigator: This is the entry point, and it gives you the core Navigator experience: big luxury-SUV space, the twin-turbo V6, and the standard safety suite. It makes sense if you want the Navigator’s size and comfort without chasing extra luxury features.
• Reserve: This is the best-value trim for most shoppers because it adds adaptive cruise control with stop-and-go capability and can be paired with the Luxury Package features seen in testing, including the 30-way Perfect Position front seats, heated and ventilated seating, and massaging functions. If you want the sweet spot between equipment and price, start here.
• Black Label: This is the most upscale choice, and it leans hardest into Lincoln’s luxury-first identity. It suits you if you want the most exclusive ownership experience and the extra perks that come with the top trim.

The standard safety package is strong across the lineup, and Reserve adds adaptive cruise control as a meaningful upgrade.

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: 29.0% of listings are priced as good or great deals.
• Inventory: There are 922 listings available.
• Price trend: Prices have softened 13.64% compared with last year.
• Clean inventory: 75.5% of listings are accident-free.

If you find a listing below $34,535.72, 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 $34,535 sits slightly below last year's $39,990.

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 price. If you purchase near the lower end of the current range, you reduce the amount of value left to lose. Strong condition and a clean history will matter a lot when it is 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?

It earns a five-star overall safety rating from NHTSA. However, with rear-wheel drive, the rollover resistance rating is three-star.

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

Lincoln Co-Pilot360 is the standard driver-assistance suite, and it 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 is worth keeping in mind if you are comparing configurations.

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:

• 29.0% of listings are priced as good or great deals.
• Accident-free inventory is solid at 75.5% — always verify the vehicle history report.
• Price trend: Prices have softened 13.64% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• The 2020 model combines flagship luxury, a powerful twin-turbo V6, and a strong standard safety suite.

Consider the 2021 if:

• At $39,879, the 2021 costs more than the current year's $34,535 average.
• It adds a quieter, more apartment-like cabin with comfier seating and four-wheel drive.

The bottom line: If you want the better value, the 2020 is the smarter buy because it delivers the Navigator’s core strengths at a lower average price. If you are willing to spend more for a newer model-year experience and a slightly more refined cabin, the 2021 is the alternative to consider.

These recommendations are based on CarGurus' proprietary market data from August 28, 2026, CarGurus experts' opinions, and generative AI.