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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.