Used 2020 Lincoln Navigator for Sale nearSaint Louis, MO

How much does the 2020 Lincoln Navigator cost?

Prices have softened 13.03% compared to this time last year, making it a favorable time to shop this model year.

With 920 listings available, you have a meaningful amount of inventory to compare before you buy.

Is the 2020 Lincoln Navigator a good car?

Yes — you’re looking at a 5/5 model from owners, paired with 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 make it appealing if you need genuine passenger space for family duty or long trips.

The main trade-offs are poor fuel economy and a powertrain that may feel like more than you need if you’re not using the Navigator’s size and capability. In practice, this is a strong fit if you want a big luxury SUV with a commanding presence, a quiet-luxury feel, and real room to stretch out.

With 35.1% of listings marked as good or great deals, there’s enough market softness to find value if you shop carefully.

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 dependable-feeling ownership experience, with repeated praise for comfort, technology, and the kind of spacious cabin that makes daily use easy to count on.

The expert evaluation reinforces that impression by describing the Navigator as a polished, well-equipped luxury SUV with strong capability and a refined driving character. Lincoln’s ownership perks also help the experience feel more premium, including valet pickup and delivery for scheduled service, concierge support, and rewards benefits.

For used buyers, the main long-term ownership risk is less about outright durability and more about living with a large, fuel-thirsty luxury SUV whose upkeep and operating costs can add up.

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

Accident-free inventory is solid at 76.2% — always verify the vehicle history report.

You should still check the history report carefully, because a clean listing percentage does not replace a proper records review. Prioritize a pre-purchase inspection that focuses on the suspension, electronics, and overall condition, especially if the SUV has seen heavy family or towing use. It’s also worth confirming that the features you want are actually present, since equipment can vary by trim and package.

Key things to evaluate:

• Trim level: The Navigator is offered in standard Navigator, Navigator Reserve, and Navigator Black Label trims. The Reserve adds the monochromatic appearance package option and brings more luxury content, while the Black Label sits at the top with the most upscale treatment. If you want the best value, the Reserve is the trim that most clearly balances equipment and price.
• 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. Rear-wheel drive is standard, with four-wheel drive available, and the SUV 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. Reserve trim also 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, 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 Navigator averaged 16.4 mpg in testing, 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 V6, the spacious cabin, and the standard safety suite. It makes sense if you want the Navigator’s size and presence without chasing extra luxury extras.
• Navigator Reserve: This is the best-value trim because it adds more of the upscale equipment that makes the Navigator feel special, including adaptive cruise control with stop-and-go capability. If you want the sweet spot between price and luxury, this is the one to target.
• Navigator Black Label: This is the most luxurious choice, aimed at buyers who want the most premium ownership experience and the highest level of pampering. It’s the right pick if you care most about top-end presentation and the extra ownership perks tied to the Black Label name.

The standard safety package includes Lincoln Co-Pilot360, and Reserve trim adds adaptive cruise control with stop-and-go.

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

This is a moderate, selective buyer’s market, so you can shop with some leverage if you stay disciplined.

• Deal availability: 35.1% of listings are priced as good or great deals.
• Inventory: There are 920 listings available.
• Price trend: Prices have softened 13.03% compared with last year.
• Clean inventory: 76.2% of listings are accident-free.

If you find a listing below $34,293, 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 $34,293 sits slightly below last year's $39,431.

That price movement suggests the Navigator has already absorbed a meaningful chunk of depreciation, which can help future sellers if they buy at the right number. If you purchase near the current average or below it, you reduce the risk of taking the steepest early hit. Strong demand for large luxury SUVs can still support resale, but fuel economy and operating costs may limit how quickly values recover.

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 the National Highway Traffic Safety Administration, 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, with forward-collision warning and 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 rollover rating is lower with rear-wheel drive, 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:

• 35.1% of listings are priced as good or great deals.
• Accident-free inventory is solid at 76.2% — always verify the vehicle history report.
• Price trend: Prices have softened 13.03% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• It delivers flagship luxury, strong towing ability, and a refined quiet-luxury character.

Consider the 2021 if:

• At $39,474, the 2021 costs more than the current year's $34,293 average.
• It adds a more apartment-like luxury feel with comfier seating and a quieter cabin.

The bottom line: If you want the better value, the 2020 is the smarter buy because it already reflects a lower market price while still delivering the Navigator’s core strengths. If you’re willing to pay more for a slightly more polished-feeling cabin, the 2021 is the secondary path to consider.

These recommendations are based on CarGurus' proprietary market data from September 15, 2026, CarGurus experts' opinions, and generative AI.