Used 2020 Lincoln Navigator for Sale near Kentucky

How much does the 2020 Lincoln Navigator cost?

Prices have softened 13.11% compared to this time last year, making it a favorable time to shop this model year.

There are 948 listings available, which gives you a meaningful amount of inventory to compare.

If you find a listing below $34,506.23, 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 comfortable place to spend time, which fits the Navigator’s role as a large luxury SUV for families who want room and refinement.

The main trade-offs are poor fuel economy and an engine that may feel like more power than you need. That matters less if you want a big, comfortable flagship SUV for long trips and daily luxury use, but it is worth weighing if efficiency is a priority.

With its focus on quiet luxury, a stylish design, and serious capability, the Navigator makes the most sense if you want a premium full-size SUV that emphasizes comfort and presence over thrift. The market still shows 33.2% good or great deals, so you have room to shop selectively.

Is the 2020 Lincoln Navigator reliable?

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

The owner feedback also points to a vehicle that feels dependable, comfortable, and trouble-free in day-to-day use, with many drivers expressing confidence in the Navigator over the long term. The powertrain is described as strong and smooth, and the SUV’s overall character suggests a model built to be counted on for big-mile luxury duty.

Lincoln’s ownership program adds some reassurance, including valet pickup and delivery for scheduled service, concierge support, and other customer-care perks. That kind of support can make ownership feel easier, especially if you plan to keep the vehicle for years.

For used buyers, the main long-term risk is less about the Navigator’s core appeal and more about the cost of maintaining a large luxury SUV if prior care was inconsistent.

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 run a history report on any candidate, even if it looks clean on paper. A pre-purchase inspection matters here because the Navigator is a large, complex luxury SUV, and you want to confirm that the ride quality, electronics, and driver-assistance systems are all working as they should.

Pay close attention to condition, especially on higher-mileage examples or trucks that may have seen heavy family or towing use. Interior wear, tire condition, and evidence of neglected maintenance are all worth checking carefully.

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 Reserve Monochromatic Package options. 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. Rear-wheel drive is standard, with four-wheel drive available, and the SUV is strongest on open roads.
• 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 Sync 3 with a 10-inch touchscreen. It includes 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.
• 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 twin-turbo V6, luxury-size cabin, and standard safety tech. It makes sense if you want the Navigator’s space and presence without chasing every upscale extra.
• Navigator Reserve: This is the best-value trim for many shoppers because it adds more luxury content and, importantly, standard adaptive cruise control with stop-and-go capability. If you want the sweet spot between price and equipment, this is the one to focus on.
• Navigator Black Label: This is the most indulgent version, aimed at buyers who want the most premium ownership experience and the extra perks that come with Lincoln’s top-tier treatment. Choose it if you want the richest cabin and the most exclusive feel.

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

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

This looks like a moderate, selective buyer’s market.

• Deal availability: 33.2% of listings are priced as good or great deals.
• Inventory: There are 948 listings available.
• Price trend: Prices have softened 13.11% compared with last year.
• Clean inventory: 75.5% of listings are accident-free.

If you find a listing below $34,506.23, 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 $34,583 sits slightly below last year's $39,801.

That price movement suggests the Navigator has softened meaningfully, which can be good news if you are buying now but less favorable if you are planning to sell soon. A lower current market average usually means future resale upside depends more on condition, mileage, and equipment than on broad market momentum.

If you own one, keeping it clean, well-documented, and accident-free matters even more in a luxury SUV segment where buyers are selective. Strong presentation and maintenance history can help offset the broader depreciation trend.

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.

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

The standard Lincoln Co-Pilot360 suite 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.

One caveat is that the NHTSA says rollover resistance is just three stars with rear-wheel drive. The IIHS has not tested the 2020 model.

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:

• 33.2% 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 13.11% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• It delivers flagship quiet-luxury appeal with a powerful twin-turbo V6 and a spacious, comfortable cabin.

Consider the 2021 if:

• At $39,621, the 2021 costs more than the current year's $34,583 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 starting point because it combines a lower average price with strong owner satisfaction and plenty of inventory. If you are willing to spend more for a slightly newer model and prefer the 2021’s cabin refinements, that can be the better path for comfort-focused luxury shoppers.

These recommendations are based on CarGurus' proprietary market data from September 4, 2026, CarGurus experts' opinions, and generative AI.