Things to consider when insuring one
5-star overall crash rating
NHTSA’s top crash rating. Crash protection affects injury claims, which make up a large share of what auto insurance pays out.
20% rollover risk in a single-vehicle crash
Higher than most cars, typical of tall vehicles. Rollovers are among the most serious crashes.
Driver-assist sensors come standard
They can help avoid crashes, but a windshield or bumper repair often needs the cameras and radar recalibrated, which costs more. Check what your comprehensive and collision deductibles would mean for a glass claim.
6 recalls for this model year
More than most. When you buy one, make sure every campaign has been completed.
Most owner complaints are about the service brakes
4 of 13 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
6 recalls
- NHTSA 26V165000 · Mar 19, 2026
back over prevention: software
Ford Motor Company (Ford) is recalling certain 2022-2025 Lincoln Navigator, 2024-2025 Lincoln Nautilus, 2025 Lincoln Aviator and Explorer vehicles. The Image Processing Module A (IPMA) may experience multiple unexpected resets, resulting in loss of the rearview camera image and advanced driver assistance (ADAS) features, including pre-collision assist, lane-keeping assist, and blind-spot monitoring.
- The risk
- Loss of the rearview camera image and certain driver assistance features, can reduce the driver’s ability to detect hazards, increasing the risk of a crash.
- The fix
- The Image Processing Module A software will be updated by a dealer, or through an over-the-air (OTA) update, free of charge. This is a Phased campaign. Phase 1 will include 2025 Aviator, 2025 Explorer, 2025 Nautilus notified owners on 4/13/2026. Phase 2 will include 2025 Navigator will notify owners on or about 4/20/2026. Phase 3 will include 2022-2024 Navigator will notify owners on or about 6/8/2026. Phase 4 will include 2024 Nautilus will notify owners on or about 6/22/2026. Owner notification letters were mailed April 13, 2026. Owners may contact Ford customer service at 1-866-436-7332. Ford's number for this recall is 26S21. Vehicle Identification Numbers (VINs) involved in this recall will be searchable on NHTSA.gov beginning March 25, 2026.
- NHTSA 26V104000 · Feb 21, 2026
electrical system: integrated trailer brake control
Ford Motor Company (Ford) is recalling certain 2021-2026 F-150, 2022-2026 F-250 SD, F-350 SD, F-450 SD, F-550 SD, Maverick, 2024-2026 Ranger, 2023-2026 F-600 SD, 2022-2027 Lincoln Navigator, Expedition, and 2026 E-Transit vehicles. When towing a trailer, the integrated trailer module (ITRM) may lose communication with the vehicle, possibly causing a loss of brake and turn signal lights, or a loss of brake function. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard number 108, " Lamps, Reflective Devices, and Associated Equipment."
- The risk
- Trailer lights or brakes that do not function can reduce the driver’s ability to control the trailer and decrease the trailers visibility to other road users, increasing the risk of a crash.
- The fix
- The integrated trailer module software will be updated by a dealer, or through an over-the-air (OTA) update, free of charge. Owner notification letters were mailed March 25, 2026. Owners may contact Ford customer service at 1-866-436-7332. Ford's number for this recall is 26C10. Vehicle Identification Numbers (VINs) involved in this recall will be searchable on NHTSA.gov beginning March 17, 2026.
- NHTSA 25V831000 · Dec 2, 2025
exterior lighting
Ford Motor Company (Ford) is recalling certain 2025 Lincoln Navigator vehicles. The rear lightbar may have cracks in the outer lens or weld track that allow moisture to accumulate, which can result in inoperative or flickering reverse lights. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard number 108, "Lamps, Reflective Devices, and Associated Equipment."
- The risk
- Inoperative or flickering reverse lights may not alert other drivers that the vehicle is reversing, increasing the risk of injury or crash.
- The fix
- Dealers will replace the rear lightbar, free of charge. Owner notification letters were mailed January 14, 2026. Owners may contact Ford customer service at 1-866-436-7332. Ford's number for this recall is 25C66. Vehicle Identification Numbers (VINs) involved in this recall became searchable on NHTSA.gov on December 3, 2025.
- NHTSA 25V823000 · Dec 1, 2025
service brakes, hydraulic: power assist: electric: control module
Ford Motor Company (Ford) is recalling certain 2025 Lincoln Navigator, F-150, Expedition, Bronco, and Ranger vehicles. The Electronic Brake Booster (EBB) module may malfunction while driving or when the driver is utilizing an Advanced Driver Assistance System (ADAS) feature, resulting in a loss of power brake assist.
- The risk
- An unexpected loss of power brake assist while driving can extend stopping distance and increase the risk of a crash. Additionally, a loss of power brake assist while ADAS features are engaged can result in the vehicle not braking as expected, increasing the risk of a crash.
- The fix
- Dealers will replace the electronic brake booster, free of charge. Owner notification letters were mailed February 26, 2026. Owners may contact Ford customer service at 1-866-436-7332. Ford's number for this recall is 25SD4. Vehicle Identification Numbers (VINs) involved in this recall became searchable on NHTSA.gov on December 3, 2025.
- NHTSA 25V488000 · Jul 25, 2025
service brakes, hydraulic: power assist: electric: control module: software
Ford Motor Company (Ford) is recalling certain 2025 Lincoln Navigator, F-150, Expedition, Bronco, and Ranger vehicles. The Electronic Brake Booster (EBB) module may malfunction while driving or when the driver is utilizing an Advanced Driver Assistance System (ADAS) feature, resulting in a loss of power brake assist.
- The risk
- An unexpected loss of power brake assist while driving can extend stopping distance and increase the risk of a crash. Additionally, a loss of power brake assist while ADAS features are engaged can result in the vehicle not braking as expected, increasing the risk of a crash.
- The fix
- The EBB module software will be updated over-the-air (OTA) or by a dealer, free of charge. Owner notification letters were mailed on August 22, 2025. Owners may contact Ford customer service at 1-866-436-7332. Ford's number for this recall is 25S77.
- NHTSA 25V439000 · Jun 27, 2025
air bags: frontal
Ford Motor Company (Ford) is recalling certain 2025 Navigator and Expedition vehicles. The passenger side air bag may have been manufactured incorrectly, which can cause the air bag to deploy with excessive force during a crash.
- The risk
- An air bag that deploys with excessive force can increase the risk of injury during a crash.
- The fix
- Dealers will replace the passenger side air bags, free of charge. Owner notification letters were mailed August 8, 2025. Owners may contact Ford Customer Service at 1-866-436-7332. Ford's number for this recall is 25S51.
Crash test ratings
2025 Lincoln Navigator SUV 4WD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 20%
2025 Lincoln Navigator L SUV 4WD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 20%
What owners report
13 complaints to NHTSA.
- Service brakes4
- Electrical system3
- Forward collision avoidance3
- Unknown or other3
- Steering2
- Vehicle speed control2
- Air bags1
- Hydraulic1
Insuring a 2025 Lincoln Navigator?
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Other 2025 Lincoln models
Recalls, crash ratings and owner complaints are from the National Highway Traffic Safety Administration (NHTSA), last checked Oct 30, 2026. Complaints are owners’ reports and aren’t verified by NHTSA. This page is general information, not advice about a specific vehicle or policy.