Compare Ford Expedition Car Insurance Rates [2024]
Average Ford Expedition insurance rates cost $110 per month ($1,320 per year). Mature drivers with good driving records may find rates as low as $776 a year.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,320 a year or $110 each month
- A liability-only policy costs around $529 a year or $44 each month
- Highest rates are for teenage drivers at around $4,825 a year or $402 each month
- Good drivers can save as much as $544 a year by earning policy discounts
- Ford Expedition insurance costs around $199 less per year than the average vehicle
Ford Expedition insurance rates are about $199 less per year than the average vehicle with full coverage costing around $1,320 a year or $110 a month. Teens will pay the highest Ford Expedition insurance rates at around $4,825 a year or $402 a month as they’re considered high-risk by car insurers. Let’s look at Ford Expedition insurance rates, crash test ratings, and more.
You can start comparing quotes for Ford Expedition car insurance rates from some of the best car insurance companies by using our free online tool now.
Ford Expedition Insurance Cost
The average Ford Expedition car insurance rates are $1,320 a year or $110 a month.
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Are Ford Expeditions Expensive to Insure?
The chart below details how Ford Expedition insurance rates compare to other SUVs like the Mercedes-Benz GLA 250, Lexus RX 350, and Buick Enclave.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Expedition | $336 | $532 | $316 | $1,320 |
| Mercedes-Benz GLA 250 | $370 | $714 | $450 | $1,714 |
| Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| Buick Enclave | $348 | $594 | $372 | $1,472 |
| Jaguar F-PACE | $470 | $982 | $398 | $2,008 |
| Audi Q7 | $394 | $714 | $398 | $1,664 |
| Mazda CX-9 | $332 | $542 | $390 | $1,422 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Expedition Insurance?
The Ford Expedition trim and model you choose can impact the total price you will pay for Ford Expedition insurance coverage.
Age of the Vehicle
Older Ford Expedition models generally cost less to insure. For example, auto insurance for a 2020 Ford Expedition costs $1,320, while 2010 Ford Expedition insurance costs are $1,056, a difference of $264.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Ford Expedition | $336 | $532 | $316 | $1,320 |
| 2019 Ford Expedition | $320 | $512 | $332 | $1,300 |
| 2018 Ford Expedition | $306 | $506 | $338 | $1,286 |
| 2017 Ford Expedition | $296 | $494 | $354 | $1,280 |
| 2016 Ford Expedition | $286 | $474 | $364 | $1,260 |
| 2015 Ford Expedition | $270 | $458 | $376 | $1,240 |
| 2014 Ford Expedition | $260 | $424 | $384 | $1,204 |
| 2013 Ford Expedition | $250 | $400 | $388 | $1,174 |
| 2012 Ford Expedition | $240 | $358 | $390 | $1,124 |
| 2011 Ford Expedition | $224 | $330 | $390 | $1,080 |
| 2010 Ford Expedition | $216 | $310 | $394 | $1,056 |
Driver Age
Driver age can have a significant effect on the cost of Ford Expedition car insurance. For example, a 20-year-old driver could pay around $135 more each month for their Ford Expedition car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Ford Expedition insurance rates. For example, drivers in Los Angeles may pay $189 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Ford Expedition auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Expedition auto insurance rates with violations on their driving record.
Ford Expedition Crash Test Ratings
Poor Ford Expedition crash test ratings could mean higher Ford Expedition car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Ford Expedition SUV 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Expedition SUV 2WD | 5 stars | 5 stars | 5 stars | 3 stars |
| 2020 Ford Expedition EL SUV 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Expedition EL SUV 2WD | 5 stars | 5 stars | 5 stars | 3 stars |
| 2019 Ford Expedition SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Expedition SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2019 Ford Expedition EL EXTENDED SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Expedition EL EXTENDED SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2018 Ford Expedition SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Expedition SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2018 Ford Expedition EL EXTENDED SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Expedition EL EXTENDED SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2017 Ford Expedition SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Expedition SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2017 Ford Expedition EL EXTENDED SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Expedition EL EXTENDED SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2016 Ford Expedition SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Expedition SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 2016 Ford Expedition EL EXTENDED SUV 4×4 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Expedition EL EXTENDED SUV 4×2 | 5 stars | 5 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Expedition Safety Features
Having a variety of safety features on your Ford Expedition can help lower your insurance costs. According to AutoBlog, the 2020 Ford Expedition’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Ford Expedition Insurance Loss Probability
The Ford Expedition’s insurance loss probability varies between different coverage types. The lower percentage means lower Ford Expedition auto insurance costs; higher percentages mean higher Ford Expedition auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | -33% |
|---|---|
| Property Damage | -12% |
| Comprehensive | -18% |
| Personal Injury | -45% |
| Medical Payment | -55% |
| Bodily Injury | -30% |
| Source: Insurance Institute for Highway Safety | |
Ford Expedition Finance and Insurance Cost
If you are financing a Ford Expedition, most lenders will require your carry higher Ford Expedition coverages including comprehensive coverage, so be sure to compare Ford Expedition car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Ford Expedition Insurance
You have more options at your disposal to save money on your Ford Expedition car insurance costs. For example, try these five tips:
- Buy a Ford Expedition with an Anti-Theft Device
- Move to an Area with a Lower Cost of Living
- Remove Unnecessary Insurance Once Your Ford Expedition is Paid Off
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
Top Ford Expedition Insurance Companies
Who is the best auto insurance company for Ford Expedition insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Expedition auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Expedition offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Ford Expedition Insurance Quotes Online
You can start comparing quotes for Ford Expedition auto insurance rates from some of the best auto insurance companies by using our free online tool now.
The Ford Expedition is an SUV that has been on the market since 1997 when it was introduced as a replacement vehicle for the Ford Bronco.
This model can seat up to nine passengers comfortably. Drivers who choose to drive an SUV can expect to pay higher rates for their car insurance coverage, no matter what their driving record is like.
These vehicles tend to be safer for drivers, but due to their size, they can cause more damage to the other vehicle in a collision.
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Insurance companies look at the payout for repairs in an accident involving a vehicle like an Expedition when they are calculating rates. It is part of the formula they use to determine how much to charge a policyholder for coverage.
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What do I need to know about the Ford Expedition for car insurance purposes?
One factor that impacts car insurance rates is the engine type of your vehicle. The Expedition is equipped with several features:
- a six-speed automatic transmission and a 5.4 L Triton V8 engine
- a six air bag supplementary restraint system. Dual front air bags are combined with side curtain air bags to keep the driver and front-seat passenger safe
- Safety Canopy air bags deploy down the vehicle’s seat belt line when an accident occurs
- side-impact air bags
- a 911 Assist program that immediately calls for help if the air bags in the vehicle are deployed. When the driver’s cell phone is turned on in the vehicle, he or she has a 10-second window in which to decide to cancel the call.
When the 911 call is made, the occupants in the vehicle will be able to communicate with emergency workers directly. If the vehicle’s occupants do not respond to the 911 operator, emergency vehicles will be dispatched immediately.
Read more: Compare Emergency Service Worker Car Insurance Rates
Does the fact that the Ford Expedition is an SUV affect its car insurance cost?
Driving an SUV may make a driver feel safer on the road due to this type of vehicle’s large size. A person who is riding in one is less likely to get hurt in an accident than an individual who is riding in a compact vehicle.
Unfortunately for the occupants of the other vehicle in a collision with an SUV, they are more likely to be injured or killed than if the accident involved a smaller vehicle. Car insurance companies look at these types of statistics when setting rates as well.
Earlier models of the Expedition were built on truck platforms. Due to their higher centers of gravity, they were more likely to roll over during an accident, potentially causing more damage than if there was a collision only.
SUV designs have changed and newer models are being built on a car platform. Electronic stability control systems have been added to the design as well. As a result, the likelihood of rolling over is less than in the past.
Consumers who are considering buying a used SUV should ask whether the one they are considering is equipped with a stability control system; the specific model will impact your insurance cost.
Another issue with insurance and SUVs is that these vehicles are expensive to replace and repair. They are often targeted by thieves, which makes them more costly to insure as well.
What specifics about the car insurance cost of the Ford Expedition do I need to know?
Even though SUV manufacturers like Ford have dealt with the rollover issue by updating this vehicle class design over time, it is still not inexpensive to insure.
Given that the MSRP (Manufacturer’s Suggested Retail Price) is just over $40,000, a consumer who is able to afford one needs to be able to afford the cost to insure the vehicle too.
Insurance costs are just one factor to consider if you want to buy a Ford Expedition. Buyers are looking at an average cost to insure of $1,252 per year.
Rates for individual SUV insurance buyers will vary, depending on the company involved. To get the best pricing for a Ford Expedition or any other vehicle on the road, shopping around is the key.
Customers who are looking for insurance for a new vehicle or whose current policy will be up for renewal shortly should start shopping for their coverage well in advance of when they need the policy to take effect.
That way, they can take the time to compare rates from different providers and decide which company can provide them with the best combination of a good level of coverage and affordable pricing.
To get several online car insurance quotes, enter your ZIP code now!
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Frequently Asked Questions
What factors are considered when determining insurance rates for a Ford Expedition in 2023?
Insurance rates for a Ford Expedition in 2023 are determined by various factors, including the driver’s age, location, driving record, credit history, coverage options, deductible amount, and the specific model year and trim level of the vehicle.
Are Ford Expedition car insurance rates generally higher compared to other vehicles?
Car insurance rates for a Ford Expedition in 2023 can vary depending on multiple factors. Generally, rates for the Ford Expedition may be higher compared to other vehicles due to its larger size and higher market value. Insurance premiums are influenced by factors such as the vehicle’s safety features, repair costs, theft rates, and historical data on accidents involving the specific model.
How can I find the best car insurance rates for my Ford Expedition in 2023?
To find the best car insurance rates for your Ford Expedition in 2023, it is recommended to shop around and obtain quotes from multiple insurance providers. You can compare rates online using comparison tools, consult with insurance agents or brokers, or directly contact insurance companies to request customized quotes based on your specific needs and circumstances.
Are there any steps I can take to lower my Ford Expedition car insurance rates?
Yes, there are strategies that may help lower your Ford Expedition car insurance rates. Some common approaches include maintaining a clean driving record, choosing a higher deductible, bundling your auto insurance with other policies, utilizing available discounts (such as for safety features or anti-theft devices), and reviewing your coverage periodically to ensure it aligns with your needs.
How can I find affordable Ford Expedition car insurance?
To find affordable car insurance for your Ford Expedition, consider the following tips:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Increase deductibles: Opting for a higher deductible can lower your premium, but ensure you can comfortably afford the deductible amount in case of an accident.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.