Full coverage car insurance for a Ford Expedition ranges from $1,100 to $6,227 annually. Rates vary by model year, driver's age, location, driving record, coverage level and insurer. This article breaks down Ford Expedition insurance costs and highlights the best and most affordable options.
Ford Expedition Insurance Cost
Updated: March 14, 2025
Key Takeaways
State Farm offers the cheapest minimum coverage across all Ford Expedition model years at $465 annually. GEICO and Travelers follow at $555 and $586.
The average annual insurance cost for a Ford Expedition is $620 for minimum coverage and $1,422 for full coverage.
MoneyGeek analyzed data and 4,183 Ford Expedition quotes from Quadrant Information Services, ensuring a comprehensive review of insurance costs.
Ford Expedition Insurance Rates
What Is the Average Ford Expedition Car Insurance Cost?
Full coverage insurance for a Ford Expedition costs about $119 per month or $1,422 per year, based on a 40-year-old male driver with a clean record. Minimum coverage averages $52 monthly or $620 annually.
| Minimum Coverage | $620 |
| Full Coverage | $1,422 |
Read more: Average Cost of Car Insurance
Ford Expedition Insurance Costs by Company
Insurance for a Ford Expedition ranges from $1,138 to $2,057 per year, depending on age, model year and coverage level. The table below compares average Ford Expedition rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,925 | $1,808 | 6% |
| Auto-Owners | $1,161 | $1,227 | -5% |
| Farmers | $1,655 | $1,957 | -15% |
| GEICO | $1,328 | $1,331 | 0% |
| Kemper | $2,057 | $2,212 | -7% |
| Nationwide | $1,394 | $1,589 | -12% |
| Progressive | $1,703 | $1,742 | -2% |
| State Farm | $1,216 | $1,269 | -4% |
| Travelers | $1,374 | $1,522 | -10% |
| USAA | $1,138 | $1,199 | -5% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ford Expedition by Model Year
Your Ford Expedition's production year impacts insurance costs, with older models typically being cheaper. For example, full coverage for a 2022 model costs $1,692 annually, compared to $1,209 for a 2009 model. Below are the average full and minimum coverage rates by production year.
| 2022 | $617 | $1,692 |
| 2021 | $615 | $1,660 |
| 2020 | $600 | $1,624 |
| 2019 | $634 | $1,595 |
| 2018 | $642 | $1,558 |
| 2017 | $619 | $1,505 |
| 2016 | $645 | $1,451 |
| 2015 | $646 | $1,398 |
| 2014 | $621 | $1,351 |
| 2013 | $644 | $1,303 |
| 2012 | $642 | $1,255 |
| 2011 | $619 | $1,240 |
| 2010 | $645 | $1,225 |
| 2009 | $644 | $1,209 |
Ford Expedition Insurance Costs by Driver Age
Ford Expedition insurance rates vary significantly depending on the driver's age. For example, the average full coverage rate for 40-year-olds is $1,433, while it's $6,227 for 16-year-olds. Below are the average minimum and full coverage rates for Ford Expedition drivers of different ages.
| 16 | $2,897 | $6,227 |
| 17 | $2,353 | $5,080 |
| 18 | $2,048 | $4,455 |
| 19 | $1,453 | $3,171 |
| 20 | $1,305 | $2,881 |
| 21 | $1,039 | $2,331 |
| 22 | $946 | $2,141 |
| 23 | $878 | $1,998 |
| 24 | $833 | $1,901 |
| 25 | $738 | $1,700 |
| 26 | $719 | $1,643 |
| 27 | $702 | $1,608 |
| 28 | $690 | $1,583 |
| 29 | $680 | $1,562 |
| 30 | $656 | $1,506 |
| 35 | $638 | $1,460 |
| 40 | $631 | $1,433 |
| 45 | $625 | $1,415 |
| 50 | $611 | $1,372 |
| 55 | $595 | $1,336 |
| 60 | $596 | $1,332 |
| 65 | $632 | $1,373 |
| 70 | $687 | $1,469 |
| 75 | $763 | $1,609 |
| 80 | $865 | $1,791 |
| 85 | $935 | $1,923 |
| 90 | $986 | $2,012 |
Ford Expedition Insurance Rates Explained
Insurance rates depend on your driver profile and factors tied to your car. Below, we outline key vehicle-related cost factors to help you understand what influences your insurance rates.
Ford Expedition Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ford Expedition
Average Full Coverage Rate
$1,422Premiums for Ford Expedition are:$126 more
This is 10% more expensive.
Value
The Ford Expedition, classified as an SUV, has a high MSRP of $82,795, which means insurers may charge more for insurance.
Repair costs
The Ford Expedition's annual repair cost is $861, close to the national average. High parts and labor costs can raise insurance rates.
Performance
The Ford Expedition, with 380 to 440 horsepower and a 0-to-60 time of 5.1 seconds, may have higher insurance costs due to its performance-related risk.
Vehicle age
Newer Ford Expeditions are typically more expensive to insure than older models, except for collector vehicles.
Safety features
Safety features like stability control and airbags can qualify the Ford Expedition for insurance discounts.
Vehicle size
The Ford Expedition is a large vehicle that weighs 5,794 lbs, which could increase insurance costs due to the potential for greater property damage.
Trim level
Higher trim levels of the Ford Expedition, like the Platinum, cost more to insure than the base model.
Theft rates
Vehicles with higher theft rates, like the Ford Expedition, may have higher insurance costs.
Cheapest Ford Expedition Insurance
State Farm offers the most affordable minimum coverage for a Ford Expedition at $465 annually, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest auto insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Ford Expedition Insurance by Coverage Level
The coverage level you choose greatly affects your Ford Expedition insurance rate. State Farm provides the cheapest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Ford Expedition Minimum Coverage
State Farm offers the cheapest minimum coverage for a Ford Expedition at $39 monthly. GEICO, Travelers and Nationwide also provide competitive rates, ranging from $46 to $54.
| USAA | $37 | $449 |
| State Farm | $39 | $465 |
| GEICO | $46 | $555 |
| Travelers | $49 | $586 |
| Nationwide | $54 | $647 |
| Allstate | $57 | $689 |
| Farmers | $58 | $697 |
| Progressive | $59 | $705 |
*State Farm offers non-military-affiliated Ford Expedition owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ford Expedition Insurance Rates by Model Year
Since the above list doesn't account for model production year, you might find lower rates depending on your vehicle's age. To find the cheapest minimum coverage rates for every Ford Expedition production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $699 | $58 |
| Farmers | $725 | $60 |
| GEICO | $577 | $48 |
| Nationwide | $677 | $56 |
| Progressive | $717 | $60 |
| State Farm | $460 | $38 |
| Travelers | $669 | $56 |
| USAA | $457 | $38 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ford Expedition Insurance
State Farm offers the cheapest full coverage for a Ford Expedition at $1,172 annually or $98 monthly. Below is the list of full coverage car insurance providers and rates.
| USAA | $92 | $1,100 |
| State Farm | $98 | $1,172 |
| GEICO | $107 | $1,289 |
| Nationwide | $110 | $1,315 |
| Travelers | $113 | $1,354 |
| Farmers | $129 | $1,545 |
| Progressive | $135 | $1,621 |
| Allstate | $153 | $1,833 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Ford Expedition owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ford Expedition Insurance by Age
Young drivers (16 to 25) and seniors (55+) often pay higher Ford Expedition insurance rates. Below is a breakdown of the cheapest rates by age.
Cheapest Ford Expedition Insurance for Young Drivers
State Farm offers the cheapest insurance for Ford Expedition drivers aged 16 to 25, starting at $85 monthly or $1,018 annually for minimum coverage. See the table below for a full list of affordable insurance rates for young drivers.
| USAA | $78 | $935 |
| State Farm | $85 | $1,018 |
| Travelers | $103 | $1,230 |
| GEICO | $112 | $1,346 |
| Allstate | $134 | $1,608 |
| Nationwide | $142 | $1,699 |
| Farmers | $158 | $1,897 |
| Progressive | $165 | $1,981 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford Expedition Insurance for Seniors
State Farm offers the cheapest car insurance for seniors at $43 monthly or $512 annually. Check the full list of affordable Ford Expedition insurers below:
| State Farm | $43 | $512 |
| USAA | $50 | $598 |
| GEICO | $56 | $666 |
| Travelers | $59 | $707 |
| Nationwide | $63 | $759 |
| Allstate | $70 | $844 |
| Progressive | $74 | $891 |
| Farmers | $78 | $932 |
Cheapest Ford Expedition Insurance After an Accident
State Farm, Travelers and GEICO are the most affordable car insurance providers after an accident. Below is the complete list for Ford Expedition drivers.
| State Farm | $49 | $583 |
| USAA | $57 | $686 |
| Travelers | $70 | $838 |
| GEICO | $73 | $881 |
| Allstate | $79 | $943 |
| Nationwide | $83 | $993 |
| Progressive | $97 | $1,163 |
| Farmers | $114 | $1,367 |
Ford Expedition Insurance Cost: Bottom Line
Compare rates from different providers to find affordable car insurance. This article explores Ford Expedition insurance costs for various demographics and highlights the cheapest providers.
Ford Expedition Insurance Rates: FAQ
Below are answers to common questions about Ford Expedition insurance costs to help you understand your options better.
What company has the cheapest car insurance for a Ford Expedition?
State Farm offers the cheapest car insurance for a Ford Expedition at an annual minimum coverage rate of $465.
What is the average cost of car insurance for a Ford Expedition?
The average annual cost of insuring a Ford Expedition is $620 for minimum coverage and $1,422 for full coverage.
Ford Expedition Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Ford Expedition insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ford Expedition:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ford Expedition insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ford Expedition.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.