Used 2021 Lincoln Navigator for Sale nearChattanooga, TN

How much does the 2021 Lincoln Navigator cost?

Prices have softened 13.22% compared to this time last year, making it a favorable time to shop this model year.

There are 893 listings available, which gives you a decent amount of inventory to compare before you buy. If you find a listing below $39,894.14, that's toward the low end of the year-round range and worth acting on quickly.

Is the 2021 Lincoln Navigator a good car?

Yes — the 4.75/5 user rating points to strong owner satisfaction, and the Navigator earns a 7.67/10 expert rating. The standout strength is Look and feel at 9/10.

The 2021 Navigator’s appeal starts with a quiet cabin, premium interior materials, and a powerful engine, and it backs that up with comfier seating and four-wheel drive. It’s aimed at you if you want a full-size luxury SUV that feels more like a luxury apartment than a traditional people mover.

The trade-offs are clear: poor fuel economy and sluggish touchscreen response. Even so, the market still shows 29.3% good or great deals, which suggests there are still worthwhile opportunities if you shop carefully.

Is the 2021 Lincoln Navigator reliable?

Owners rate it 4.75/5, a strong signal of long-term satisfaction.

The Navigator’s core strengths support confidence in daily use: it has a quiet cabin, premium materials, and a powerful engine, and the expert evaluation describes it as refined and impressive for a vehicle this large. Its dependability story is also helped by the fact that the cabin and powertrain are built around comfort and easy long-distance use rather than complexity for its own sake.

Lincoln also includes valet dropoff and pick-up at your home for four years of service, and Black Label trims add service visits plus unlimited car washes and other benefits. For used buyers, the main long-term ownership risk is that high depreciation and luxury-SUV upkeep can make a neglected example expensive to live with.

What should I look for when buying a used 2021 Lincoln Navigator?

Accident-free inventory is solid at 79.1% — always verify the vehicle history report.

You should still run a history report on any Navigator you’re considering, even if the listing looks clean. Prioritize a pre-purchase inspection that checks the electronics, suspension behavior, and overall cabin condition, since this is a luxury SUV where repair costs can climb quickly. Focus especially on how well the touchscreen responds and whether the vehicle feels tight and well cared for over rough pavement.

Key things to evaluate:

• Trim level: The Standard trim gives you the Navigator’s core luxury-SUV experience, while Reserve and Black Label step up the interior presentation and overall sense of richness. If you want the best value, the Reserve is the trim that most clearly balances equipment and price.
• Powertrain: You get a twin-turbo 3.5-liter V6 with 450 horsepower and 510 pound-feet of torque, paired with a 10-speed automatic transmission and either rear-wheel drive or four-wheel drive. It feels strong and quick for its size, but fuel economy is poor, with an EPA-estimated 17 mpg combined.
• Safety package: Automatic emergency braking, lane-keep assist, blind-spot monitoring, and auto high beams come standard. Adaptive cruise control is optional, and the Navigator will not self-steer and track highway lanes as competently as some rivals.
• Infotainment: The cabin uses a 10-inch touchscreen. It does not wirelessly connect to Apple CarPlay or Android Auto, and the system does not support wireless software updates through the vehicle’s modem.
• Fuel efficiency: The Navigator is rated at 17 mpg combined, with 16 city and 20 highway.

Which 2021 Lincoln Navigator trim should I buy?

The 2021 Lincoln Navigator is offered in 3 trim levels: Standard, Reserve, Black Label.

Here's the short version:

• Standard: This is the entry point, and it gives you the Navigator’s big luxury-SUV character without pushing the price into the upper reaches of the lineup. It makes sense if you want the core experience and plan to add only the options you truly care about.
• Reserve: This is the best-value trim because it adds a more upscale feel while staying below the top-end pricing of Black Label. If you want the sweet spot between luxury and cost, this is the one to target.
• Black Label: This is the most lavish version, with richer materials and extra ownership perks that make it the choice if you want the most indulgent Navigator experience.

Automatic emergency braking, lane-keep assist, blind-spot monitoring, and auto high beams come standard, while adaptive cruise control remains optional.

Is now a good time to buy a used 2021 Lincoln Navigator?

This is a moderate market for selective buyers, with enough softness in pricing to reward patience.

• Deal availability: 29.3% of listings are priced as good or great deals.
• Inventory: There are 893 listings available.
• Price trend: Prices have softened 13.22% compared with last year.
• Clean inventory: 79.1% of listings are accident-free.

If you find a listing below $39,894.14, that's toward the low end of the year-round range and worth acting on quickly.

What is the 2021 Lincoln Navigator's resale value?

The current average of $39,879 sits slightly below last year's $45,953.

That drop suggests the Navigator has already absorbed a meaningful amount of depreciation, which can be good news if you’re buying now. For a future seller, it also means the biggest value loss may already be behind you, though luxury SUVs like this still tend to depreciate heavily over time.

Because the market is already pricing this model year below its prior average, a well-kept example should be easier to position than a neglected one. Strong condition, clean history, and desirable equipment matter more when you eventually resell.

Vehicles with strong owner satisfaction ratings, like this model year's 4.75/5, tend to retain buyer demand, which supports resale value over time.

Is the 2021 Lincoln Navigator safe?

The 2021 Navigator was crash-tested by the National Highway Traffic Safety Administration and received five stars overall and five stars in every test except for rollover resistance, where it earned four stars for 4WD models and three stars for RWD models.

It earns a 8/10 safety score from our experts.

Automatic emergency braking, lane-keep assist, blind-spot monitoring, and auto high beams come standard. Adaptive cruise control is optional, but the Navigator will not self-steer and track highway lanes as competently as some competitors. Knee airbags are not offered, and inflatable rear seat belts for the second row are optional.

Should I buy a 2021 Lincoln Navigator or consider a different year?

If you're weighing the 2021 against nearby model years, here's how to think about it:

Choose the 2021 if:

• 29.3% of listings are priced as good or great deals.
• Accident-free inventory is solid at 79.1% — always verify the vehicle history report.
• Price trend: Prices have softened 13.22% compared with last year.
• Owners rate it 4.75/5 — a strong satisfaction signal.
• The 2021 keeps the Navigator’s quiet cabin, premium materials, and powerful engine in a refined full-size luxury package.

Consider the 2020 if:

• At $34,535, the 2020 costs less than the current year's $39,879 average.
• It emphasizes spacious comfort and a strong case for buyers who want luxury, room, and capability.

Consider the 2022 if:

• At $49,205, the 2022 costs more than the current year's $39,879 average.
• It adds a refreshed design and broader updates to styling, comfort, technology, safety, and driving dynamics.

The bottom line: If you want the best balance of price, satisfaction, and current-market availability, the 2021 is the smart middle ground. If your budget is tighter, the 2020 can save you money while still delivering the Navigator’s core strengths. If you want the newer-feeling update and are willing to pay more, the 2022 is the upgrade path to consider.

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