Used 2021 Lincoln Navigator for Sale nearChicago, IL

How much does the 2021 Lincoln Navigator cost?

Prices have softened 14.47% compared to this time last year, making it a favorable time to shop this model year.

There are 892 listings available, which gives you a decent amount of inventory to compare before you buy.

Is the 2021 Lincoln Navigator a good car?

Yes — you’re looking at a 4.75/5 user-rated SUV with an expert rating of 7.67/10. The standout strength is Look and feel at 9/10.

The 2021 Navigator fits you well if you want a full-size luxury SUV that feels more like a luxury apartment than a traditional people mover. Its quiet cabin, premium interior materials, and powerful engine give it the upscale, high-effort character buyers expect in this class. The trade-offs are clear: poor fuel economy and sluggish touchscreen response can dull the experience a bit.

The good news is that the Navigator still brings strong market appeal, with 34.6% of listings marked as good or great deals.

Is the 2021 Lincoln Navigator reliable?

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

The Navigator’s appeal is reinforced by its quiet-luxury character, premium cabin, and strong powertrain, all of which support a sense of durability and everyday confidence. Its powerful twin-turbo V6 and well-insulated cabin help it feel substantial rather than fragile, and the overall package is aimed at buyers who want a refined large SUV that can handle regular family duty.

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 depreciation is high and upkeep can be costly if the truck has been neglected.

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

Accident-free inventory is solid at 78.9% — always verify the vehicle history report.

You should still check the vehicle history report carefully, because a clean listing percentage does not replace a proper records review. Prioritize a pre-purchase inspection that focuses on electronics, cabin condition, and how smoothly the drivetrain and suspension behave on a test drive. Pay close attention to whether the interior features work as expected, since this SUV leans heavily on comfort and technology.

Key things to evaluate:

• Trim level: The cabin presentation is a major differentiator, with the Reserve already feeling upscale and Black Label trims adding richer textures and softer leather. If you want the most luxurious interior, the higher trims are the ones to target.
• Powertrain: The Navigator uses a twin-turbo 3.5-liter V6 with 450 horsepower and 510 pound-feet of torque, paired with a 10-speed automatic and available rear-wheel drive or four-wheel drive. It’s 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, but it does not wirelessly connect to Apple CarPlay or Android Auto. The system also lacks onboard apps and wireless software updates through the vehicle’s modem.
• Fuel efficiency: The Navigator’s fuel economy is described as poor, and the EPA-estimated rating is 17 mpg combined.

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, but it still gives you the Navigator’s core luxury-SUV experience. It makes sense if you want the big cabin, strong engine, and standard safety tech without stretching for extras.
• Reserve: This is the best-value trim for most shoppers 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 focus on.
• Black Label: This is the most luxurious choice, with richer materials and the most premium ownership experience. It suits you best if you want the most upscale Navigator and are willing to pay for it.

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 inventory and enough discounting to make comparison shopping worthwhile.

• Deal availability: 34.6% of listings are priced as good or great deals.
• Inventory: There are 892 listings available.
• Price trend: Prices have softened 14.47% compared with last year.
• Clean inventory: 78.9% of listings are accident-free.

If you find a listing below $39,025, 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 $39,025 sits slightly below last year's $45,630.

That drop suggests the Navigator has already absorbed a meaningful amount of depreciation, which can help future sellers if they buy at the right price. The current market still shows demand for a large luxury SUV with strong presence, but resale will depend heavily on condition, mileage, and trim. Because depreciation on these luxury giants is high, buying carefully matters if you want to protect value later.

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 earns five-star ratings overall from NHTSA, with five-star ratings in every test except rollover resistance, where it earns four-star ratings for 4WD models and three-star ratings for RWD models.

It earns an 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, and the Navigator will not self-steer and track highway lanes as competently as some competitors. Knee airbags are not offered, while 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:

• 34.6% of listings are priced as good or great deals.
• Accident-free inventory is solid at 78.9% — always verify the vehicle history report.
• Price trend: Prices have softened 14.47% 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 twin-turbo V6 in a refined full-size package.

Consider the 2020 if:

• At $34,264, the 2020 costs less than the current year's $39,025 average.
• It emphasizes quiet luxury, spacious comfort, and strong family-friendly passenger room.

Consider the 2022 if:

• At $48,515, the 2022 costs more than the current year's $39,025 average.
• It adds a refreshed design and broader updates to comfort, technology, safety, and driving dynamics.

The bottom line: If you want the best balance of price, luxury, and current-market availability, the 2021 is the smart middle ground. If your budget is tighter, the 2020 can save you money while keeping the Navigator formula intact. If you want the newer updates and are willing to pay more, the 2022 is the upgrade path to consider.

These recommendations are based on CarGurus' proprietary market data from September 22, 2026, CarGurus experts' opinions, and generative AI.