Compare the Cost of Ford Expedition Insurance by Model Year and Company

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Updated: January 15, 2025

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The cost of insuring a Ford Expedition can vary significantly based on the driver's age. For a 2009 model, a 16-year-old driver should expect to pay around $5,652 per year for a full coverage policy, while a 40-year-old driver would only pay about $1,223 per year. Similarly, for a 2022 model, a 16-year-old driver would pay $7,732 per year, while a 40-year-old driver would pay $1,722 per year.

If you prioritize providers that perfectly balance cost and customer service quality, MoneyGeek rated the best car insurance providers for a Ford Expedition.

Key Takeaways

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When it comes to insuring a Ford Expedition, affordability is key, and choosing the right insurance provider can significantly reduce your annual premiums. Based on the available data, here are the most affordable insurers for both full and minimum coverage:

Full Coverage
1. State Farm
- Annual Premium for a Ford Expedition: $1,168
- Highlight: State Farm not only offers the lowest rate but also achieves a high MoneyGeek score of 90 out of 100, indicating excellent customer service at a competitive price.

2. **Nationwide (**for 2022 models)
- Annual Premium for a 2022 Ford Expedition: $1,177
- Highlight: Nationwide provides the lowest premium for those who own a 2022 Ford Expedition, emphasizing affordability for newer models.

Minimum Coverage
1. State Farm
- Annual Premium: $465
- Highlight: State Farm remains the most affordable option for minimum coverage, making it a top choice for budget-conscious drivers seeking essential coverage.

2. Travelers (another recommended insurer)
- Annual Premium: $1,325 (for full coverage, but recognized for quality)
- Highlight: Although not the cheapest for minimum coverage, Travelers is recognized for balancing cost and customer satisfaction with a MoneyGeek score of 88.

Breakdown by Driver Age
- For 16-year-old drivers of a 2022 Ford Expedition:
- State Farm offers the best rate for full coverage at $4,433 per year.
- Note: Teen drivers can further reduce costs by being added to a family policy.

- For 40-year-old drivers:
- Insuring a 2009 Ford Expedition will cost approximately $1,223 per year, whereas a 2022 model will cost about $1,722 per year with a full coverage policy.

Affordability is crucial, but it's important to also consider customer service and claim handling. State Farm consistently ranks as an affordable choice without compromising on service quality, making it a strong recommendation for both full and minimum coverage for a Ford Expedition. Always remember to compare quotes from various providers to ensure you're getting the best deal for your specific situation.

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For insuring a Ford Expedition, the best car insurance provider that balances cost and customer service quality is State Farm. They received a MoneyGeek score of 90 out of 100, making them a top choice for this vehicle. State Farm offers competitive pricing with an annual premium of $1,168 for full coverage, the lowest among the providers reviewed. 

If affordability is your primary concern, State Farm provides both full coverage and minimum coverage at more competitive rates than other insurers. It's important to remember that your rate might vary based on factors like your age, location, and the model year of your Ford Expedition.

State Farm stands out for offering the lowest average rates, combined with strong customer satisfaction scores, thus providing a balance of quality service and affordability.

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Age significantly affects car insurance premiums, with younger drivers typically facing higher rates due to their lack of experience and higher risk of accidents. This is evident when examining the cost of insuring a Ford Expedition, where there's a substantial difference in premiums between teen and middle-aged drivers.

Cost Differences by Age

For a 2009 Ford Expedition:
- A 16-year-old driver pays approximately $5,652 per year for full coverage.
- A 40-year-old driver pays about $1,223 per year for the same coverage.

For a 2022 Ford Expedition:
- A 16-year-old driver is charged around $7,732 per year for full coverage.
- A 40-year-old driver pays roughly $1,722 per year.

Premium Trends Over Time

Insurance rates are significantly higher for 16-year-old drivers due to their perceived higher risk. However, these rates decline as drivers age and gain more experience. The expense for a teen driving a Ford Expedition averages at $6,490 per year, while for a middle-aged adult, it's about $1,423. This represents a significant savings of approximately $5,067 as drivers mature from 16 to 40.

Insurance Provider Comparisons

Among insurers, State Farm offers competitive rates, with an annual cost of $1,168 for a full coverage policy, showcasing its balance of affordability and customer service. The lowest rates for a teen driver in a 2022 model can also be found with State Farm at $4,433 per year, whereas Allstate has the highest premiums for teens at $11,907 per year.

Recommendations

To mitigate costs, teen drivers should consider being added to family policies, which often result in lower premiums compared to individual policies. Additionally, exploring different providers and comparing quotes is crucial in finding the most cost-effective insurance option.

In summary, while younger drivers face higher insurance costs, these decrease as they gain experience and grow older, particularly when they reach their 20s. Comparing insurance quotes and considering factors like customer satisfaction can help select the best insurance policy for a Ford Expedition.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Ford Expedition.

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These rates were updated to reflect the average cost of car insurance for a Ford Expedition as of 2023.

10Companies Compared
 
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Ford Expedition

The average Ford Expedition insurance policy costs $1,464 annually, but your actual rate may vary depending on your chosen provider. State Farm is the cheapest car insurance company for full coverage, charging about $1,168 per year, while Allstate has the highest annual rate at $1,828 per year.

In terms of minimum coverage, State Farm offers the cheapest policy, priced at $465 per year. Farmers has the most expensive plan, costing $731 per year.

Data filtered by:Results filtered by:
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Age:40
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Coverage:Full Coverage
State Farm$1,168
GEICO$1,297
Nationwide$1,314
Travelers$1,325
Farmers$1,572
Progressive$1,634
Allstate$1,828

Is a Ford Expedition Expensive to Insure?

As a full-size three-row SUV, the Ford Expedition is neither cheap nor expensive to insure. The 2022 model year has an MSRP of $80,595. Because the vehicle has a higher value, it can be costly to repair after an accident. As a result, insurance providers tend to charge more to insure this vehicle.

Best Companies for Insuring a Ford Expedition

Cost is not the only factor you should consider when shopping for auto insurance. It would be best if you also looked into a provider's customer service and how efficiently they handle policyholders' claims. We found that these are the best car insurance companies for the Ford Expedition:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,168 per year)
  • Travelers: MoneyGeek score of 88 out of 100 ($1,325 per year)

State Farm stands out among the insurers in our comparison group by offering the lowest average rates and receiving solid customer satisfaction scores. This means you can enjoy quality customer service without having to pay more.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Offers the lowest average rate among insurers in our study, charging $1,168 annually

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Provides excellent customer service

cons

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Limited add-on coverage offerings

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Poor claims management score

COMPANY HIGHLIGHTS

We concluded that State Farm offers the best Ford Expedition insurance for its overall blend of affordability and high-quality service. This insurer's average full coverage policy costs $1,168 per year, the cheapest in our study. However, it provides a limited range of options for add-on coverages.

State Farm provides roadside assistance, which can be helpful if you encounter unexpected car troubles with your Ford Expedition. This add-on covers mechanical labor, towing and locksmith labor. Additionally, it covers the costs of tire changes and the delivery of essentials like gas, oil and batteries.

Rental car and travel reimbursement is another add-on coverage available with State Farm. This covers car rental expenses up to a specified limit and pays up to $500 of your deductible if you get into an accident in your rental car.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: Travelers

Travelers

pros

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Has the fourth-cheapest average rate at $1,325

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High customer satisfaction and coverage ratings

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Doesn’t offer original equipment manufacturer (OEM) coverage

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Below-average claims management score

COMPANY HIGHLIGHTS

As our runner-up, Travelers provides affordable premiums and quality customer service. It offers a variety of add-on coverages, including options like gap insurance and new car replacement, to enhance your insurance policy.

By adding gap insurance to your policy, Travelers will cover the difference between the actual cash value of your vehicle and the amount you owe on your lease or loan if your Ford Expedition is deemed a total loss after an accident. With new car replacement, Travelers will replace your Ford Expedition with a brand new one of the same make and model if you total yours in the first five years.

Other add-on coverages available with Travelers include accident forgiveness, roadside assistance and rental car and travel reimbursement. However, it lacks original equipment manufacturer (OEM) coverage, which many competitors offer.

Read MoneyGeek's Travelers Auto Insurance Review

Cost of Insuring a Ford Expedition by Model Year

Your vehicle's age is a significant factor affecting the average car insurance cost. As a car's value depreciates over time, it becomes cheaper to insure. Insuring a 2009 Ford Expedition with a full coverage policy will cost you approximately $1,223 per year. If you insure a 2022 model, you can expect to pay around $1,722 annually, roughly $499 more.

Data filtered by:Results filtered by:
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Age:40
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Coverage:Full Coverage
2022$1,722
2021$1,673
2020$1,604
2019$1,590
2018$1,550
2017$1,464
2016$1,432
2015$1,376
2014$1,306
2013$1,290
2012$1,248
2011$1,212
2010$1,230
2009$1,223

Aside from your vehicle’s age, your insurance rates may also vary by provider. On average, State Farm is the least expensive insurer for a 2009 Ford Expedition at $940 per year, while Nationwide is the cheapest company for a 2022 model, charging $1,177 per year.

Data filtered by:Results filtered by:
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Model Year:2022
Select
Age:40
Select
Coverage:Full Coverage
Nationwide$1,177
State Farm$1,443
GEICO$1,502
Travelers$1,642
Farmers$1,901
Progressive$2,034
Allstate$2,662

Cost of Insuring a Ford Expedition for 16- to 25-Year-Olds

Teenagers are riskier to insure than middle-aged drivers due to their lack of driving experience. As a result, car insurance for teens and young adults is significantly more expensive.

For the Ford Expedition, a full coverage policy will cost an average of $6,490 per year for a 16-year-old, while the same plan will only cost about $1,423 per year for a 40-year-old. That’s a difference of roughly $5,067. Fortunately, rates for teen drivers decrease as they age and level out once they reach their 20s.

Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
16$6,490
17$5,290
18$4,640
19$3,226
20$2,922
21$2,258
22$2,087
23$1,938
24$1,840
25$1,657

Comparing quotes is the best way to find the cheapest provider when you shop for car insurance. State Farm offers the most affordable full coverage for a 16-year-old driving a 2022 Ford Expedition with an individual policy costing $4,433 per year. Allstate charges the highest rate for teens at $11,907 per year.

Teen drivers can save a significant amount of money by joining their families' existing policies.

Data filtered by:Results filtered by:
Select
Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
Nationwide$4,433
State Farm$4,630
Travelers$6,554
GEICO$7,099
Farmers$9,481
Progressive$10,986
Allstate$11,907

How Does Location Affect the Cost of Ford Expedition Insurance?

Where you live can affect the cost of car insurance just as much as your age and car's make and model year. Idaho has the lowest average car insurance rates at $299 per year, while Florida has the highest at $1,058 per year. As always, we recommend comparing quotes from different providers to find the cheapest option in your state.

Data filtered by:Results filtered by:
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Age Group:30-59
Select
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Ford Expedition Insurance

You may have questions about affordability and customer service while shopping for insurance. We addressed these concerns to assist in your search for the best policy for your Ford Expedition.

What company has the cheapest car insurance for a Ford Expedition?

What company offers the best car insurance for a Ford Expedition?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

Read Full Bio »

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