Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford Expedition? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford Expedition car insurance facts

  • Average full coverage auto insurance premium: $180/month

  • Most affordable companies: Erie Insurance ($121/month) & GEICO ($127/month)

  • Expedition car insurance cost vs. average rates: $14 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford Expedition by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford Expedition insurer costs by state:

Risk factors affecting Ford Expedition car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford Expedition car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford Expedition repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford Expedition affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2123
Auto-Owners$1730
Cincinnati Insurance$2534
Direct Auto$2468
Erie$1460
GEICO$1524
Kentucky Farm Bureau$2311
Liberty Mutual$2074
MetLife$2686
Nationwide$2050
Plymouth Rock Insurance$2198
Progressive$2258
State Farm$1815
Tennessee Farmers$1606
Texas Farm Bureau$1997
The Hanover$2419
Travelers$1795
USAA$1944

Compare all 2021 Ford Expedition rates

Average Cost to Insure Per Year

$2159

List Price

$49025

Trims Available

XL Fleet - XLT - Limited - Platinum - Base Engine: 3.5-liter twin-turbocharged EcoBoost V6 with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2067
Auto-Owners$1658
Erie$1359
Farmers$2234
GEICO$1425
Liberty Mutual$1926
Mercury$2086
MetLife$2568
Nationwide$1904
Progressive$2206
State Farm$1761
Tennessee Farmers$1561
Texas Farm Bureau$1899
The Hanover$2390
Travelers$1740
USAA$1893

Compare all 2020 Ford Expedition rates

Average Cost to Insure Per Year

$2059

List Price

$52810

Trims Available

XL Fleet - XLT - Limited - Platinum - Base Engine: 3.5-liter twin-turbocharged EcoBoost V6 with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1946
Auto-Owners$1416
Erie$1254
GEICO$1269
Kentucky Farm Bureau$2249
Liberty Mutual$1849
Mercury$2035
MetLife$2544
Nationwide$1780
Progressive$2167
State Farm$1526
Tennessee Farmers$1356
Texas Farm Bureau$1653
The Hanover$2351
Travelers$1451
USAA$1590

Compare all 2019 Ford Expedition rates

Average Cost to Insure Per Year

$1987

List Price

$52130

Trims Available

XL Fleet - XLT - Limited - Platinum - Base Engine: 3.5-liter twin-turbocharged EcoBoost V6 with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1223
Acuity$ 1223
Allied$ 1077
Allied$ 1077
Arbella$ 1262
Arbella$ 1262
Country$ 1269
Country$ 1269
Erie$ 1089
Erie$ 1089
GEICO$ 948
GEICO$ 948
Nationwide$ 1097
Nationwide$ 1097
Plymouth Rock Insurance$ 1151
Plymouth Rock Insurance$ 1151
Progressive$ 1112
Progressive$ 1112
State Farm$ 1233
State Farm$ 1233
USAA$ 1172
USAA$ 1172
Vermont Mutual$ 1077
Vermont Mutual$ 1077

Compare all 2018 Ford Expedition rates

Average Cost to Insure Per Year

$ 1385

List Price

$ 48190

Trims Available

XL Fleet - XLT - Limited - Platinum

2017 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1240
Acuity$ 1240
Allied$ 1045
Allied$ 1045
Arbella$ 1220
Arbella$ 1220
Country$ 1264
Country$ 1264
Erie$ 1059
Erie$ 1059
Nationwide$ 1246
Nationwide$ 1246
Plymouth Rock Insurance$ 1113
Plymouth Rock Insurance$ 1113
Quincy Mutual$ 1163
Quincy Mutual$ 1163
Tennessee Farmers$ 1292
Tennessee Farmers$ 1292
Texas Farm Bureau$ 858
Texas Farm Bureau$ 858
USAA$ 1268
USAA$ 1268
Vermont Mutual$ 1059
Vermont Mutual$ 1059

Compare all 2017 Ford Expedition rates

Average Cost to Insure Per Year

$ 1169

List Price

$ 42600

Trims Available

XL Fleet - XLT - Limited - King Ranch - Platinum

2016 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1136
Acuity$ 1136
Allied$ 1085
Allied$ 1085
Arbella$ 1118
Arbella$ 1118
Erie$ 864
Erie$ 864
GEICO$ 789
GEICO$ 789
Nationwide$ 1081
Nationwide$ 1081
Plymouth Rock Insurance$ 1095
Plymouth Rock Insurance$ 1095
Progressive$ 1022
Progressive$ 1022
Quincy Mutual$ 1131
Quincy Mutual$ 1131
Texas Farm Bureau$ 793
Texas Farm Bureau$ 793
USAA$ 1098
USAA$ 1098
Vermont Mutual$ 939
Vermont Mutual$ 939

Compare all 2016 Ford Expedition rates

Average Cost to Insure Per Year

$ 1131

List Price

$ 41135

Trims Available

XL Fleet - XLT - Limited - King Ranch - Platinum

2015 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1072
Acuity$ 1072
Allied$ 1065
Allied$ 1065
Erie$ 764
Erie$ 764
GEICO$ 670
GEICO$ 670
Nationwide$ 1062
Nationwide$ 1062
Plymouth Rock Insurance$ 1066
Plymouth Rock Insurance$ 1066
Progressive$ 976
Progressive$ 976
State Farm$ 917
State Farm$ 917
Tennessee Farmers$ 898
Tennessee Farmers$ 898
Texas Farm Bureau$ 756
Texas Farm Bureau$ 756
USAA$ 962
USAA$ 962
Vermont Mutual$ 862
Vermont Mutual$ 862

Compare all 2015 Ford Expedition rates

Average Cost to Insure Per Year

$ 1010

List Price

$ 40170

Trims Available

XL Fleet - XLT - Limited - King Ranch - Platinum

2014 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1013
Acuity$ 1013
Allied$ 956
Allied$ 956
Arbella$ 1030
Arbella$ 1030
Erie$ 659
Erie$ 659
GEICO$ 764
GEICO$ 764
Nationwide$ 1028
Nationwide$ 1028
Plymouth Rock Insurance$ 1028
Plymouth Rock Insurance$ 1028
Progressive$ 995
Progressive$ 995
State Farm$ 954
State Farm$ 954
Tennessee Farmers$ 853
Tennessee Farmers$ 853
USAA$ 969
USAA$ 969
Vermont Mutual$ 788
Vermont Mutual$ 788

Compare all 2014 Ford Expedition rates

Average Cost to Insure Per Year

$ 1115

List Price

$ 38535

Trims Available

XL Fleet - XLT - Limited - King Ranch

2013 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 962
Acuity$ 962
Allied$ 975
Allied$ 975
Arbella$ 955
Arbella$ 955
Country$ 1024
Country$ 1024
Erie$ 640
Erie$ 640
GEICO$ 726
GEICO$ 726
Plymouth Rock Insurance$ 1014
Plymouth Rock Insurance$ 1014
Progressive$ 964
Progressive$ 964
State Farm$ 945
State Farm$ 945
Tennessee Farmers$ 830
Tennessee Farmers$ 830
USAA$ 937
USAA$ 937
Vermont Mutual$ 756
Vermont Mutual$ 756

Compare all 2013 Ford Expedition rates

Average Cost to Insure Per Year

$ 1072

List Price

$ 36930

Trims Available

XL Fleet - XLT - Limited - King Ranch

2012 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 924
Acuity$ 924
Allied$ 991
Allied$ 991
Arbella$ 962
Arbella$ 962
Erie$ 624
Erie$ 624
GEICO$ 690
GEICO$ 690
Plymouth Rock Insurance$ 994
Plymouth Rock Insurance$ 994
Progressive$ 909
Progressive$ 909
State Farm$ 933
State Farm$ 933
Tennessee Farmers$ 819
Tennessee Farmers$ 819
Texas Farm Bureau$ 687
Texas Farm Bureau$ 687
USAA$ 839
USAA$ 839
Vermont Mutual$ 721
Vermont Mutual$ 721

Compare all 2012 Ford Expedition rates

Average Cost to Insure Per Year

$ 946

List Price

$ 36530

Trims Available

XL - XLT - Limited - King Ranch

2011 Ford Expedition

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 928
Allied$ 928
Arbella$ 852
Arbella$ 852
Country$ 967
Country$ 967
Erie$ 609
Erie$ 609
GEICO$ 676
GEICO$ 676
Plymouth Rock Insurance$ 975
Plymouth Rock Insurance$ 975
Progressive$ 893
Progressive$ 893
State Farm$ 947
State Farm$ 947
Tennessee Farmers$ 808
Tennessee Farmers$ 808
Texas Farm Bureau$ 672
Texas Farm Bureau$ 672
USAA$ 797
USAA$ 797
Vermont Mutual$ 698
Vermont Mutual$ 698

Compare all 2011 Ford Expedition rates

Average Cost to Insure Per Year

$ 936

List Price

$ 36000

Trims Available

XL - XLT - Limited - King Ranch