Compare Ford Expedition Insurance Rates [Comprehensive Guide]

Average Ford Expedition car insurance rates cost $110 per month ($1,320 per year). You can find cheap Ford Expedition insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $776 a year.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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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

It is possible to save on Ford Expedition insurance rates. Good drivers can save as much as $544 a year by earning policy discounts. Learn what else you can do to save on Ford Expedition insurance rates in our comprehensive guide.

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 costs 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 Mitsubishi Outlander Sport, Dodge Journey, and Jeep Cherokee.

Vehicle Comprehensive Collision Liability Total
Ford Expedition $336 $532 $316 $1,320
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Dodge Journey $322 $532 $372 $1,384
Jeep Cherokee $348 $626 $466 $1,640
Volkswagen Touareg $372 $690 $390 $1,610
Lexus LX 570 $444 $834 $398 $1,834
Audi Q7 $394 $714 $398 $1,664
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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 auto insurance coverage.

Age of the Vehicle

Older Ford Expedition models generally cost less to insure. For example, car insurance for a 2020 Ford Expedition costs $1,320, while a 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
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Driver Age

Driver age can have a significant impact on the cost of Ford Expedition auto insurance. For example, 20-year-old drivers pay as much as $1,672 more each year for their Ford Expedition auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Expedition insurance rates. For example, drivers in New York may pay $806 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Ford Expedition auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Expedition car insurance with violations on their driving record.

Ford Expedition Safety Ratings

Your Ford Expedition auto insurance rates are influenced by the Ford Expedition’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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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
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Ford Expedition Safety Features

Most drivers don’t realize that not only do Ford Expedition safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford Expedition auto insurance rates. The 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

Another contributing factor that plays a direct role in Ford Expedition insurance rates is the loss probability for each type of coverage.

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
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Ford Expedition Finance and Insurance Cost

When financing a Ford Expedition, most lenders will require your carry higher Ford Expedition coverage options including comprehensive coverage, so be sure to shop around and 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

If you want to reduce the cost of your Ford Expedition insurance rates, follow these tips below:

  • Provide Your Ford Expedition VIN When Requesting Ford Expedition Auto Insurance Quotes
  • Ask About Discounts for People with Disabilities
  • Buy a Dashcam for Your Ford Expedition
  • Move to an Area with a Lower Cost of Living
  • Check Your Ford Expedition Policy Carefully to Ensure All Information is Correct

Top Ford Expedition Insurance Companies

Who is the top 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
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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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
0
0
0
2014
4
4
5
5
2013
4
4
5
5
2012
4
4
5
5
2011

Crash Avoidence Features

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