Ford Expedition Insurance Rates [List of Money Saving Tips]

Ford Expedition insurance rates are around $110 a month, but you may find that 2018 Ford Expedition insurance costs less than a brand new model. The easiest way to save money on car insurance is to compare Ford Expedition insurance quotes online. Enter your ZIP code below to find affordable Ford Expedition insurance coverage in your area.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 $199 cheaper than most vehicles. You can pay as low as $44 per month for liability-only coverage and $110 per month for full coverage. Continue reading to learn how to lower Ford Expedition insurance rates.

You can start comparing quotes for Ford Expedition insurance rates from some of the best auto insurance companies by using our free online tool now.

Ford Expedition Insurance Cost

The average Ford Expedition auto 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 Mercedes-Benz GLA 250, Audi Q7, and Buick Encore.

Vehicle Comprehensive Collision Liability Total
Ford Expedition $336 $532 $316 $1,320
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Audi Q7 $394 $714 $398 $1,664
Buick Encore $322 $562 $372 $1,414
Toyota Sequoia $332 $566 $398 $1,454
Toyota Highlander $332 $512 $390 $1,392
Nissan Armada $306 $536 $338 $1,316
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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?

You might have noticed that there is a multitude of factors that impact Ford Expedition insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Ford Expedition.

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 the 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 approximately $1,614 each year for their Ford Expedition auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Expedition insurance rates. For example, drivers in Los Angeles may pay $1,135 a year more than drivers in Indianapolis.

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 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 Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Ford Expedition Crash Test Ratings

Good Ford Expedition crash test ratings mean the VW is safer, which could mean cheaper Ford Expedition 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 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

The lower percentage means lower Ford Expedition car insurance costs; higher percentages mean higher Ford Expedition auto insurance costs. Compare the following Ford Expedition auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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, you will pay more if you purchase Ford Expedition auto insurance at the dealership, so be sure to shop around and compare Ford Expedition insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Ford Expedition Insurance

There are many ways that you can save on Ford Expedition auto insurance. Below are five actions you can take to find cheap Ford Expedition insurance rates.

  • Buy An Older Ford Expedition
  • Understand the Different Types of Auto Insurance for Your Ford Expedition
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Ford Expedition
  • Check the Odometer on Your Ford Expedition
  • Compare Ford Expedition Insurance Rates for Free Online

Top Ford Expedition Insurance Companies

Several insurance companies offer competitive rates for the Ford Expedition based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Ford Expedition drivers organized by market share.

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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