Used 2020 Lincoln Navigator for Sale nearSaint Paul, MN

How much does the 2020 Lincoln Navigator cost?

Prices have softened 13.35% compared to this time last year, making it a favorable time to shop this model year.

There are 933 listings available, which gives you a solid pool of inventory to compare.

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 its spacious and comfortable interior, smooth ride, and high-quality technology. The large cabin and comfortable third row also come up repeatedly, along with the Navigator’s strong luxury feel and roomy layout.

The main trade-offs are poor fuel economy and the sense that the powerful engine may be more than some drivers need. It fits you best if you want a big, comfort-first luxury SUV with a strong presence and plenty of space.

Good and great deals make up 34.0% of listings, so 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.

The owner feedback points to a dependable-feeling, trouble-free ownership experience, with praise centered on comfort, space, and the kind of quality that makes the SUV feel easy to live with over time. The expert evaluation also emphasizes Lincoln’s customer-care approach and the Navigator’s polished, confidence-inspiring character.

Lincoln’s ownership perks include valet pickup and delivery for scheduled service, concierge support, and a rewards program, which can make maintenance feel less burdensome. For used buyers, the main long-term risk is that a large luxury SUV can still bring higher running costs, especially if fuel economy matters to you.

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

Accident-free inventory is solid at 75.8% — 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 wear, especially on a large luxury SUV where repairs can be expensive. Pay close attention to how the cabin, controls, and ride quality feel in real use.

Key things to evaluate:

• Trim level: The standard Navigator, Navigator Reserve, and Navigator Black Label are explicitly named, and the Reserve adds the Luxury Package content that brings the 30-way Perfect Position front seats with heating, ventilation, and massaging functions. The Black Label is the most upscale choice, while the Reserve is the best-value trim if you want a strong luxury feature set without going all the way to the top.
• 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, four-wheel drive is available, and the SUV is strongest on open roads; fuel economy is a weak point, with an observed 16.4 mpg and an EPA estimate of 18 mpg combined.
• 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, so that’s a meaningful trim-level gap.
• Infotainment: The Navigator uses a 10-inch touchscreen with Sync 3, 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 response time is a drawback.
• Fuel efficiency: The SUV 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, and 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, standard luxury presence, and the standard Co-Pilot360 safety suite. It makes sense if you want the Navigator’s size and comfort without paying for extra indulgences.
• Navigator Reserve: This is the best-value trim because it adds the richer luxury content that really suits the Navigator, including the available Luxury Package features highlighted in testing. It also brings adaptive cruise control with stop-and-go, making it the sweet spot for shoppers who want the most meaningful upgrades.
• Navigator Black Label: This is the most upscale choice, aimed at buyers who want the fullest luxury treatment and the extra ownership perks associated with the top trim. Choose it if you want the most exclusive Navigator experience and are willing to pay for it.

The standard Co-Pilot360 safety suite is included, 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 market for selective buyers, so you can shop carefully and still find worthwhile listings.

• Deal availability: 34.0% of listings are priced as good or great deals.
• Inventory: There are 933 listings available.
• Price trend: Prices have softened 13.35% compared with last year.
• Clean inventory: 75.8% of listings are accident-free.

If you find a listing below $33,937, 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 $33,937 sits slightly below last year's $39,167.

That drop suggests the Navigator has already moved through a meaningful chunk of its depreciation curve, which can help future sellers if they buy at the right price. If you purchase near the lower end of the current range, you may have a better chance of limiting your loss when it’s time to sell. Strong demand for large luxury SUVs can help, but fuel economy and ownership costs still matter to used buyers.

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, and the IIHS hasn't tested the 2020 model.

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 the NHTSA rollover resistance rating is just three stars 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:

• 34.0% of listings are priced as good or great deals.
• Accident-free inventory is solid at 75.8% — always verify the vehicle history report.
• Price trend: Prices have softened 13.35% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• It serves as Lincoln’s flagship SUV with a strong comfort-first luxury focus.

Consider the 2021 if:

• At $37,662, the 2021 costs more than the current year's $33,937 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 it combines a lower average price with strong owner satisfaction and plenty of inventory to compare. If you’re willing to spend more for a slightly more refined-feeling cabin, the 2021 is the better secondary path.

These recommendations are based on CarGurus' proprietary market data from October 13, 2026, CarGurus experts' opinions, and generative AI.