Used 2021 Lincoln Navigator for Sale near Indiana

How much does the 2021 Lincoln Navigator cost?

Prices have softened 14.86% compared to this time last year, making it a favorable time to shop this model year.

There are 917 listings available, which gives you a solid pool to compare prices and equipment.

Is the 2021 Lincoln Navigator a good car?

Yes — you’re looking at a 4.75/5 user-rated SUV with an expert score 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, refined character buyers expect in this segment.

The trade-offs are clear: poor fuel economy and sluggish touchscreen response can take some shine off the experience. Even so, if you value spaciousness, luxury, and strong performance in a large American SUV, this model year still stands out.

33.7% of listings are priced as good or great deals, so there’s meaningful room to shop around.

Is the 2021 Lincoln Navigator reliable?

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

The Navigator’s overall appeal is built around comfort, quietness, and strong power, which are all traits that tend to matter in long-term ownership. Its refined cabin and robust engine help it feel substantial and durable in daily use, while the expert evaluation also points to a polished, upscale character.

The performance notes also support that impression: the twin-turbo V6 delivers strong output, and the 10-speed automatic helps the SUV respond more quickly than its size suggests. On the cost side, Lincoln 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.

For used buyers, the main long-term ownership risk is that depreciation is high and fuel costs stay elevated.

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

Accident-free inventory is solid at 78.8% — always verify the vehicle history report.

You should still check the vehicle history carefully, because a clean listing percentage does not replace a proper report. Prioritize a pre-purchase inspection that focuses on electronics, cabin condition, and how smoothly the SUV drives and shifts. Given the Navigator’s luxury positioning, you’ll also want to pay close attention to wear on interior materials and whether all comfort and convenience features work as expected.

Key things to evaluate:

• Trim level: The interior presentation is a major differentiator, with the Reserve described as worth its price and Black Label trims adding more textures, softer leather, and more elaborate cabin finishes. Base-trim buyers should pay close attention to which luxury touches and appearance details are missing before deciding whether the lower price is enough.
• Powertrain: You get one engine, 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 delivers strong thrust, 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, and it does not wirelessly connect to Apple CarPlay or Android Auto. The system also lacks wireless software updates through the vehicle’s modem, though it does include onboard 4G WiFi, wireless device charging, and a smartwatch app.
• Fuel efficiency: The Navigator averaged in the teens, and the EPA-estimated rating is 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, so it makes sense if you want the Navigator’s core size, power, and luxury feel at the lowest starting price. It gives you the full-size experience, but you should compare it carefully against the Reserve because the higher trim is where the cabin and equipment feel more special.
• Reserve: This is the best-value trim for most shoppers because it adds the richer luxury presentation that makes the Navigator feel especially upscale. If you want the sweet spot between price and the high-end cabin experience, this is the one to focus on.
• Black Label: Choose this if you want the most lavish interior treatment and the most exclusive ownership experience. It adds more textures, softer leather, and service-related perks that make it the most indulgent version.

Automatic emergency braking, lane-keep assist, blind-spot monitoring, and auto high beams come standard across the lineup, 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 pricing softness to make comparison shopping worthwhile.

• Deal availability: 33.7% of listings are priced as good or great deals.
• Inventory: There are 917 listings available.
• Price trend: Prices have softened 14.86% compared with last year.
• Clean inventory: 78.8% of listings are accident-free.

If you find a listing below $38,504, 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 $38,504 sits slightly below last year's $45,224.

That drop suggests the Navigator has already absorbed a meaningful amount of depreciation, which can help you as a buyer today. For a future seller, it also means resale value will depend heavily on condition, mileage, and how well the vehicle is equipped.

Because luxury SUVs in this class depreciate quickly, a well-kept example with desirable equipment should be easier to move later than a neglected one. Strong pricing discipline now can help you limit your own loss when it’s time to sell.

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 overall ratings 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, 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:

• 33.7% of listings are priced as good or great deals.
• Accident-free inventory is solid at 78.8% — always verify the vehicle history report.
• Price trend: Prices have softened 14.86% compared with last year.
• Owners rate it 4.75/5 — a strong satisfaction signal.
• The 2021 keeps the Navigator’s quiet cabin, powerful engine, and upscale interior intact.

Consider the 2020 if:

• At $34,281, the 2020 costs less than the current year's $38,504 average.
• It emphasizes spacious comfort, strong presence, and a luxury-focused character.

Consider the 2022 if:

• At $48,255, the 2022 costs more than the current year's $38,504 average.
• It adds updates that refresh styling, comfort, technology, safety, and driving dynamics.

The bottom line: If you want the best balance of price and the Navigator’s core strengths, the 2021 is the smart middle ground. If you’re especially price-sensitive, the 2020 can save you money; if you want newer updates and are willing to pay more, the 2022 is the upgrade path.

These recommendations are based on CarGurus' proprietary market data from September 29, 2026, CarGurus experts' opinions, and generative AI.