Navy on cool, soft skin tones (True Summer)

The answer

Close, but not a match. Navy sits just outside the True Summer palette. The nearest thing in the palette is #3E4A5A, ΔE 12.5 away, which is one of the four neutrals the season is built on. Under 12 reads as the same colour family; past 25 the two are visibly different colours.

It does not collide with anything on the season's avoid list, so the only question is distance.

How navy scores across all twelve seasons

Navy is an opinionated colour: Deep Winter scores it 92 and Light Spring scores it 0. A gap that wide means the colour genuinely decides something, and getting it right is worth the effort.

True Summer sits 4 of twelve at 69, 23 points behind Deep Winter. That gap is the honest size of the compromise, not a verdict on the colour.

• Deep Winter: 92 (ΔE 3.1).
• True Winter: 77 (ΔE 9.0).
• Bright Winter: 71 (ΔE 11.7).
• True Summer: 69 (ΔE 12.5) <- this season.
• Light Spring: 0 (ΔE 46.8).

What to wear instead

Nearest first. These are the colours in the True Summer palette that get closest to what you wanted from navy, so the substitution costs the least.

• #3E4A5A: deep, a charcoal (ΔE 8.2).
• #3E6B8C: deep, nearest common name cobalt blue (ΔE 12.4).
• #5578A0: mid-tone, nearest common name cobalt blue (ΔE 16.4).