Ford Expedition Car Insurance: How Much Should You Expect to Pay?

Ford Expedition drivers pay about $138 monthly for their auto insurance, on average. Learn about how much insurance companies might charge to insure your Ford Expedition with our latest guide.

Quick Facts

  • A Ford Expedition is cheaper to insure than the average SUV.

  • Liability car insurance for an Expedition comes in at around $76 a month, while full coverage usually averages about $134 per month.

  • Aspire is the lowest auto insurance company for an Expedition with a national average of just $28 a month for liability only coverage.

Expedition Overview

The Ford Expedition is a mid-level SUV with broad appeal, with a base price of $49,995 for new 2021 models. There are ten different trim levels currently available, so there's an option for every driver.

We combed through thousands of car insurance quotes on Compare.com, and we've found that average Ford Expedition insurance costs run around $138 monthly. Compared to other vehicles in the market, how do Expedition auto insurance premiums stack up?

Current Base Price$49,995
Body Style(s)SUV
Trim LevelsMAX XL, MAX KING RANCH, KING RANCH, LIMITED, XL, PLATINUM, XLT, MAX XLT, MAX LIMITED, MAX PLATINUM
Average Insurance Premium$138/mo.
Cheapest Insurance CompanyAspire

How Much is Car Insurance for a Ford Expedition?

Vehicle Liability Only Full Coverage
Ford Expedition$76$134
All Ford Models$78$162
All SUVs$81$152
Average Insurance Premium$81$169

If you look at the table above, you'll see that compared to other vehicles, Ford Expedition insurance rates are lower than average. On average, Expedition owners can expect to pay about $76 per month for liability insurance, and around $134 a month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other Ford models, the Expedition is less expensive, with prices more than 10% lower than the rest of the manufacturer's vehicle offerings. Similarly, coverage for the Expedition is below average when compared to other vehicles of a similar body style, with both liability and full insurance averaging less expensive rates than other SUVs.

When compared to all vehicles, regardless of body style, make, or model, the Expedition follows a similar pattern of having below average car insurance premiums.

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Who has the Cheapest Car Insurance for a Ford Expedition?

Insurance Company Average Monthly Premium
Aspire$28
MetroMile$32
Sun Coast$37
AnswerFinancial$38
MetLife$39

If you're browsing for a new auto insurance policy for your Ford Expedition, you're may be wondering which carrier offers the most affordable rates. Although costs can fluctuate quite dramatically depending on your driver profile, Aspire offers the cheapest average rates for liability only coverage, with rates sometimes as low as $28 per month. The next most affordable company is MetroMile, who offers insurance as little as $32 monthly.

Rounding out the list are Sun Coast, AnswerFinancial, and MetLife. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, car insurance companies look at lots of different variables when calculating rates, so your results might be different. The only way to guarantee you'll find the cheapest rates is to compare quotes from a wide array of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford Expedition?

As we mentioned above, there are numerous factors that insurance companies use to decide how much they charge for auto insurance -- and each carrier weighs different variables more heavily than others, so there's not just one company that's the lowest for every Expedition driver.

The following sections show several things insurance carriers use to determine rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$78
2-3 Years$58
4-5 Years$60
6-7 Years$61
8-10 Years$73
11-14 Years$77
15 Years or Older$76

The Ford Expedition has been around for a while -- that means vehicle age can play a big role in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually get lower.

Based on the information in the above table, the Ford Expedition follows this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are Expeditions that are 2 to 3 years old, on average.

Your Age

Age Average Monthly Premium
Under 18$183
18-24$123
25-34$78
35-44$75
45-54$62
55-64$62
65 or Older$65

Age is another factor that makes a difference in how much you pay for auto insurance. Based on the information above, the youngest drivers pay much more compared to drivers who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Expedition.

Your Gender

Gender Average Monthly Premium
Male$77
Female$75

You may not know, but car insurance is normally more expensive for men than for women. This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim. The Ford Expedition sticks to the norm, where women pay about $75 a month for insurance and men pay around $77.

Where You Live

State Average Monthly Premium
California$52
Florida$134
Georgia$94
Illinois$49
New York$157
North Carolina$59
Ohio$53
Pennsylvania$74
Texas$61
Virginia$62

You might think it's common sense that factors like what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live can be just as important. Insurance is regulated at the state level, so premiums can change quite a bit from state to state.

For example, the average Ford Expedition owner in New York pays about $157 per month for liability coverage. Meanwhile, on average, the same driver in California will pay less than a third of that price. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much costs can change across states.

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Ford Expedition Car Insurance Discounts

Whatever which car you drive, how old you are, or what state you call home, using as many discounts as possible when it comes to your insurance policy is always a smart move.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

  • Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than in monthly installments
  • Multi-policy discounts for using the same insurance company for both your home and car insurance
  • Multi-vehicle discounts for having more than one car on your auto policy
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution

But these aren't the only discounts insurance companies offer to their customers Often, it's actually not having recent insurance claims and maintaining a clean driving record that get you the best rates.

Even though you don't have control over every variable car insurance carriers look at to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your favor in order to save money on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$97
Multiple Accidents$125
1 Ticket$87
Multiple Tickets$112

It's no secret that car insurance companies offer the most affordable prices to drivers with clean records. It should be no surprise that your insurance rates will get higher if you get into an accident or get a speeding ticket. But you're probably wondering exactly how much these infractions will cost you.

You can see from the table above that accidents will usually cost Expedition drivers more than tickets, but both will result in above average rates. Ford Expedition drivers with a single accident on their record pay an average of $97 a month (up $21 from the $76/mo. overall average), while drivers with one ticket will pay about $87 monthly. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$68
2,501-5,000 Miles$73
5,001-7,500 Miles$71
7,501-10,000 Miles$78
10,000+ Miles$78

The total distance you drive each year plays a big role when it comes to your auto insurance costs. Those who are on the roads less have fewer opportunities to get into an accident, so they'll typically end up spending less on car insurance. Above, you can see that Ford Expedition owners who drive 10,000 miles or more pay $78 for insurance, while those who drive fewer than 2,500 miles per year pay about $68 per month.

But if you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile auto insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Ford Expeditions Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Ford Expedition is on your shortlist, you might want to know how it compares to other vehicles. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Ford Expedition stacks up:

Ford Expedition National Average
Liability Insurance$69$81
Full Coverage Insurance$122$169
Base MSRP$49,995$46,228
Average Annual Mileage11,81711,681

As you can see, the Ford Expedition is right on par with the average vehicle price here in the U.S. The national average vehicle MSRP is $46,228, and the Expedition comes in close to that at $49,995.

Although the purchase price is right in the middle of the spectrum, insurance premiums are cheaper when compared to the rest of the vehicle market. Liability insurance for a Ford Expedition is around $12 a month less expensive than average, while full coverage is more than $40 less monthly.

When it comes to usage, Ford Expedition owners drive about the same amount annually as the national average, with 11,681 miles each year for all vehicles compared to the Expedition's 11,817 every year.

Ford Expedition Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays to insure a Ford Expedition. If you're considering purchasing a new Expedition, knowing what you'll likely pay can be extremely helpful as you weigh your choices.

So we've broken down Ford Expedition car insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, like the base MSRP, who offers the lowest policies, which trim levels are offered for each year the Expedition has been around.

2021 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$69
Full Coverage Avg. Premium$122
Base MSRP$49,995
Cheapest Insurance CompanyGainsco - $45/mo.
Available TrimsKING RANCH, LIMITED, MAX KING RANCH, MAX LIMITED, MAX PLATINUM, MAX XL, MAX XLT, PLATINUM, XL, XLT

If you're searching for a brand new Ford Expedition, there are plenty of options to choose from. With ten different trim levels to pick from, there's surely a style for everyone.

When it comes to insuring a Expedition, the average 2021 Ford Expedition generally costs about $122 a month for full coverage and $69 monthly for a liability only policy. And if you want the most affordable insurance possible, Gainsco offers liability only policies for as low as $45 per month.

While it's helpful to know how much the average driver pays for insurance, a personalized quote is the only way to know exactly how much auto insurance will cost you. With Compare.com, you can gather a variety of quotes at once, all for free. Simply enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

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2020 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$105
Full Coverage Avg. Premium$154
Base MSRP$49,025
Cheapest Insurance CompanyGainsco - $46/mo.
Available TrimsKING RANCH, LIMITED, MAX KING RANCH, MAX LIMITED, MAX PLATINUM, MAX XL, MAX XLT, PLATINUM, XL, XLT

If you're looking to buy a 2020 Expedition or already own one, you can expect an average insurance premium of around $154 for full coverage or $105 for a liability only policy.

And if you're just looking for the cheapest auto insurance for your Expedition, Gainsco offers liability only policies for as little as just $46 a month.

If you want to find the best premiums for car insurance for a 2020 Ford Expedition, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2019 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$145
Base MSRP$48,530
Cheapest Insurance CompanyEsurance - $38/mo.
Available TrimsLIMITED, MAX LIMITED, MAX PLATINUM, MAX XL, MAX XLT, PLATINUM, XL, XLT

You can expect full coverage for a 2019 Ford Expedition to run about $145 per month, while liability only coverage will average around $86 monthly.

Looking for the lowest policy? Esurance offered liability only coverage for sometimes as cheap as $38 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2018 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$179
Base MSRP$48,190
Cheapest Insurance CompanyAspire - $28/mo.
Available TrimsLIMITED, MAX LIMITED, MAX PLATINUM, MAX XL, MAX XLT, PLATINUM, XL, XLT

It costs about $92 monthly for liability or $179 for a full coverage policy for the 2018 Expedition.

Aspire offered the cheapest policy we found, with rates sometimes as little as $28 per month.

Want to find the best rates? Enter your ZIP code below to get lots of free customized quotes.

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2017 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$138
Base MSRP$42,600
Cheapest Insurance CompanyMetLife - $17/mo.
Available TrimsEL LIMITED, EL PLATINUM, EL XL, EL XLT/EL KING RANCH, LIMITED, PLATINUM, XL, XLT/KING RANCH

The average cost to insure a 2017 Ford Expedition with liability only coverage is $63 monthly, while full coverage runs around $138 per month.

MetLife has prices as cheap as $17 a month for the 2017 Ford Expedition.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2016 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$148
Base MSRP$41,135
Cheapest Insurance CompanyClearcover - $30/mo.
Available TrimsEL LIMITED, EL PLATINUM, EL XL, EL XLT/EL KING RANCH, LIMITED, PLATINUM, XL, XLT/KING RANCH

On average, drivers who own a 2016 Expedition can expect to pay $63 to $148 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2016 Ford Expedition insurance policy, Clearcover offered the most affordable policy we found, with rates as low as just $30 monthly.

While these are good estimates of what the average driver might pay to insure a 2016 Ford Expedition, these costs might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$139
Base MSRP$40,285
Cheapest Insurance CompanyMetroMile - $25/mo.
Available TrimsEL LIMITED, EL PLATINUM, EL XL, EL XLT/EL KING RANCH, LIMITED, PLATINUM, XL, XLT/KING RANCH

2015 Ford Expedition drivers can expect to pay an average of $61 a month for liability or $139 for full coverage.

With prices as cheap as just $25 per month, MetroMile offered the lowest policy we found.

Interested in what your insurance cost could look like? Get multiple personalized quotes for free by just entering your ZIP code below.

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2014 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$58
Full Coverage Avg. Premium$135
Base MSRP$38,535
Cheapest Insurance CompanyElephant - $34/mo.
Available TrimsEL LIMITED, EL XL, EL XLT/EL KING RANCH, LIMITED, XL, XLT/KING RANCH

The average cost to insure a 2014 Expedition with liability only coverage is $58 monthly, while full coverage runs about $135 a month.

We found Elephant offered the most affordable policy, with rates as cheap as $34 monthly.

These average premiums give you a good idea of what you might pay, but there are a whole range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, et customized quotes by entering your ZIP below.

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2013 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$138
Base MSRP$37,505
Cheapest Insurance CompanyMercury - $27/mo.
Available TrimsEL LIMITED, EL XL, EL XLT/EL KING RANCH, LIMITED, XL, XLT/KING RANCH

It costs around $68 per month for liability or $138 for a full coverage policy for the 2013 Ford Expedition.

With rates as low as just $27 a month, Mercury offered the cheapest policy we found for the 2013 Ford Expedition.

What will your car insurance price be? Just enter your ZIP code below to get several personalized quotes for free.

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2012 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$131
Base MSRP$36,530
Cheapest Insurance CompanyMetLife - $21/mo.
Available TrimsEL LIMITED, EL XL, EL XLT/EL KING RANCH, LIMITED, XL, XLT/KING RANCH

2012 Expedition drivers can expect to pay an average of $73 monthly for liability or $131 for full coverage.

If you're looking for the most affordable 2012 Ford Expedition insurance policy, MetLife offered the most affordable policy we found, with rates sometimes as little as $21 a month.

If you want to know exactly how much you can expect to pay for your Expedition, just enter your ZIP code below and get several free quotes in minutes.

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2011 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$126
Base MSRP$36,205
Cheapest Insurance CompanyElephant - $24/mo.
Available TrimsEL LIMITED, EL XL, EL XLT/EL KING RANCH, LIMITED, XL, XLT/KING RANCH

You can expect full coverage for a 2011 Ford Expedition to run about $126 per month, while liability only coverage will average around $68 a month.

With costs sometimes as cheap as $24 monthly, Elephant offered the cheapest policy we found for the 2011 Ford Expedition.

If you want to find the best prices for auto insurance for a 2011 Ford Expedition, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2010 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$69
Full Coverage Avg. Premium$146
Base MSRP$35,585
Cheapest Insurance CompanySafeco - $20/mo.
Available TrimsEDDIE BAUER, EL EDDIE BAUER, EL LIMITED, EL XLT, LIMITED, XLT

On average, drivers who own a 2010 Expedition can expect to pay $69 to $146 per month for liability only and full coverage car insurance, respectively.

With premiums as little as $20 a month, Safeco offered the lowest policy we found.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get lots of customized quotes for free.

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2009 Ford Expedition Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$134
Base MSRP$34,845
Cheapest Insurance CompanyInfinity - $25/mo.
Available TrimsEDDIE BAUER, EL EDDIE BAUER, EL LIMITED, EL XLT, LIMITED, XLT

The average cost to insure a 2009 Ford Expedition with liability only coverage is $76 per month, while full coverage runs about $134 monthly.

Infinity offered the cheapest policy we found, with rates sometimes as low as $25 a month.

If you want to know exactly how much you can expect to pay for your Expedition, get free quotes in minutes by just entering your ZIP code below.

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Ford Expedition Insurance FAQs

Is a Ford Expedition expensive to insure?

Compared to the national average of all vehicles, rates come in on the lower end of the spectrum. Liability insurance runs an average of $76 per month, while full coverage will cost you around $134.

How can I get the best price on car insurance for my Ford Expedition?

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and comparing quotes from a multitude of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare costs from quite a few companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Expedition affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's just a myth. Even though there are several factors insurance carriers examine when they offer you a premium, your Ford Expedition's color is not on that list.

Do I need to have insurance before I buy a Ford Expedition?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a SUV is to talk with your car insurance carrier beforehand.

What car insurance discounts can I get for my Ford Expedition?

You will find a ton of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Expedition you drive, but if your Expedition has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know is to talk with your insurance agent and ask about their list of discounts.

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