How to Find Cheap Ford Expedition Insurance Quotes

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 6, 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

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
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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 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
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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
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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
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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
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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.
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 airbag supplementary restraint system. Dual front airbags are combined with side curtain airbags to keep the driver and front-seat passenger safe
  • Safety Canopy airbags deploy down the vehicle’s seat belt line when an accident occurs
  • side-impact airbags
  • a 911 Assist program that immediately calls for help if the airbags 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.

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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