Ford Expedition Car Insurance Cost 2025
The average cost to insure a Ford Expedition is $1,435 per year. However, the exact cost can vary depending on factors such as your age, the model year of your vehicle, and other individual considerations. To get a more accurate estimate, you can use our quote tables below to compare different rates and find the best options for your specific situation.
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Insuring a 2025 Ford Expedition typically costs around $1,435 annually for full coverage, translating to approximately $120 per month. This rate is slightly above the national average for similar vehicles, reflecting the Expedition’s status as a large SUV with advanced features.
Factors influencing this cost include the vehicle’s size, repair expenses, and safety ratings. While the Expedition’s robust safety features can help mitigate insurance costs, its higher repair costs and potential for more significant damage in collisions contribute to the increased premiums.
It’s advisable for prospective owners to compare quotes from multiple insurers to find the most competitive rates for their specific circumstances.
How Much Does Ford Expedition Car Insurance Cost?
Typically, Ford Expedition drivers can expect to pay an average of $1,435 per year for car insurance. However, keep in mind that this amount may vary based on factors such as your age, location, driving history, and the specific coverage options you choose. To find the best rates for your personal situation, it’s recommended to compare quotes from multiple providers.
The cost of car insurance for a Ford Expedition is influenced by various factors, such as your location, driving history, the model year of your vehicle, and the type of coverage you select. Maintaining a clean driving record can help lower premiums, while traffic violations or accidents could increase your costs. Additionally, urban areas with more traffic tend to have higher insurance rates compared to rural areas.
In comparison to other Ford models, the insurance for a Ford Expedition is generally cheaper. However, it may still be higher than the average cost for all vehicles. The type of coverage you opt for also plays a role: comprehensive and collision insurance generally costs more than just minimum liability coverage.
To get the most competitive rates for your specific needs, it’s best to compare quotes from different insurance providers. Insuranceopedia offers tools to help you do just that.
| Vehicle | Average Monthly Premium |
| Ford Expedition | $135 |
| All Fords | $163 |
| All Cars | $175 |
Average Insurance Cost Of Ford Expedition By Model Year
| Model Year | Average Premium |
| 2025 Ford Expedition | $2,428 |
| 2023 Ford Expedition | $2,488 |
| 2022 Ford Expedition | $860 |
| 2021 Ford Expedition | $924 |
| 2020 Ford Expedition | $943 |
| 2019 Ford Expedition | $967 |
| 2018 Ford Expedition | $1,175 |
| 2017 Ford Expedition | $914 |
| 2016 Ford Expedition | $977 |
| 2015 Ford Expedition | $763 |
| 2014 Ford Expedition | $625 |
| 2013 Ford Expedition | $756 |
| 2012 Ford Expedition | $512 |
| 2011 Ford Expedition | $604 |
| 2010 Ford Expedition | $622 |
2025 Ford Expedition Insurance Rates
The average annual insurance cost for a 2025 Ford Expedition is $2,428. However, Erie offers the cheapest rates, averaging $1,470 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $2,520 |
| Preferred Mutual | $3,030 |
| Auto-Owners Insurance Co | $2,090 |
| Direct Auto | $1,640 |
| Hanover | $2,459 |
| Erie | $1,470 |
| Travelers | $1,560 |
| Country | $3,530 |
| Unitrin | $3,465 |
| USAA | $2,518 |
2023 Ford Expedition Insurance Rates
The average annual insurance cost for a 2023 Ford Expedition is $2,488. However, Erie offers the cheapest rates, averaging $1,435 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $2,654 |
| Preferred Mutual | $3,190 |
| Auto-Owners Insurance Co | $2,204 |
| Direct Auto | $1,702 |
| Hanover | $2,581 |
| Erie | $1,435 |
| Travelers | $1,578 |
| Country | $3,534 |
| Unitrin | $3,471 |
| USAA | $2,529 |
2022 Ford Expedition Insurance Rates
The average annual insurance cost for a 2022 Ford Expedition is $860. However, Safeco offers the cheapest rates, averaging $179 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $374 |
| Buckeye Insurance Group | $836 |
| Indiana Farmers Mutual Ins | $1,215 |
| SECURA Insurance | $1,241 |
| Mercury Insurance | $645 |
| Texas Farm Bureau Group | $1,115 |
| Safeco | $179 |
| Erie | $1,035 |
| Pekin Insurance | $840 |
| North Carolina Farm Bureau | $1,122 |
2021 Ford Expedition Insurance Rates
The average annual insurance cost for a 2021 Ford Expedition is $924. However, Mercury Insurance offers the cheapest rates, averaging $531 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $728 |
| Virginia Farm Bureau | $1,137 |
| Rockford Mutual Insurance | $1,110 |
| SECURA Insurance | $1,150 |
| Mercury Insurance | $531 |
| Texas Farm Bureau Group | $1,067 |
| Rural Mutual Insurance | $978 |
| Pekin Insurance | $961 |
| National General Value | $1,224 |
| Safeco | $354 |
2020 Ford Expedition Insurance Rates
The average annual insurance cost for a 2020 Ford Expedition is $943. However, Safeco offers the cheapest rates, averaging $251 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,357 |
| SECURA Insurance | $1,284 |
| Safeco | $251 |
| Wolverine Mutual | $1,303 |
| Texas Farm Bureau Group | $1,278 |
| SafeAuto | $902 |
| Kemper Auto | Infinity | $569 |
| American National P | $416 |
| Kemper Premium | $695 |
| Colorado Farm Bureau Mutual | $1,377 |
2019 Ford Expedition Insurance Rates
The average annual insurance cost for a 2019 Ford Expedition is $967. However, Safeco offers the cheapest rates, averaging $654 per year.
| Insurance Provider | Average Annual Cost |
| Patriot Group | $1,067 |
| Plymouth Rock Assurance | $1,120 |
| Farm Bureau Mutual (IA Group) | $1,081 |
| Virginia Farm Bureau | $854 |
| Tennessee Farmers | $944 |
| SECURA Insurance | $1,089 |
| West Bend Mutual | $939 |
| Texas Farm Bureau Group | $968 |
| Safeco | $654 |
| Rural Mutual Insurance | $951 |
2018 Ford Expedition Insurance Rates
The average annual insurance cost for a 2018 Ford Expedition is $1,175. However, Safeco offers the cheapest rates, averaging $361 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,078 |
| Texas Farm Bureau Group | $1,047 |
| Pekin Insurance | $1,500 |
| Kemper Auto | Infinity | $908 |
| Virginia Farm Bureau | $1,188 |
| Indiana Farmers Mutual Ins | $1,412 |
| Partners Mutual Insurance Co | $1,385 |
| Direct Auto | $1,446 |
| Mississippi Farm Bureau | $1,429 |
| Safeco | $361 |
2017 Ford Expedition Insurance Rates
The average annual insurance cost for a 2017 Ford Expedition is $914. However, American National P offers the cheapest rates, averaging $560 per year.
| Insurance Provider | Average Annual Cost |
| West Bend Mutual | $978 |
| North Carolina Farm Bureau | $1,105 |
| American National P | $560 |
| Ameriprise Group | $858 |
| Rural Mutual Insurance | $805 |
| PEMCO | $1,098 |
| SECURA Insurance | $1,068 |
| Pekin Insurance | $937 |
| Safeco | $649 |
| Rockford Mutual Insurance | $1,086 |
2016 Ford Expedition Insurance Rates
The average annual insurance cost for a 2016 Ford Expedition is $977. However, American National P offers the cheapest rates, averaging $421 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $940 |
| North Carolina Farm Bureau | $1,109 |
| American National P | $421 |
| Buckeye Insurance Group | $639 |
| PEMCO | $1,154 |
| Tennessee Farmers | $1,099 |
| Mississippi Farm Bureau | $1,208 |
| Western Reserve | $1,087 |
| Mercury Insurance | $908 |
| Norfolk and Dedham Group | $1,207 |
2015 Ford Expedition Insurance Rates
The average annual insurance cost for a 2015 Ford Expedition is $763. However, Mercury Insurance offers the cheapest rates, averaging $220 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $289 |
| Mercury Insurance | $220 |
| Direct Auto | $982 |
| Rockford Mutual Insurance | $943 |
| PEMCO | $843 |
| Virginia Farm Bureau | $835 |
| North Carolina Farm Bureau | $658 |
| IMT Insurance Company | $988 |
| NatGen Custom 360 | $954 |
| West Bend Mutual | $918 |
Find Affordable Ford Expedition Insurance Rates
2014 Ford Expedition Insurance Rates
The average annual insurance cost for a 2014 Ford Expedition is $625. However, Safeco offers the cheapest rates, averaging $338 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $797 |
| Concord Group | $555 |
| Pekin Insurance | $800 |
| Dairyland FR Bond | $797 |
| MMG Insurance Company | $620 |
| Kemper Auto | Infinity | $600 |
| Safeco | $338 |
| Mercury Insurance | $370 |
| American National P | $632 |
| Countryway Insurance | $743 |
2013 Ford Expedition Insurance Rates
The average annual insurance cost for a 2013 Ford Expedition is $756. However, Safeco offers the cheapest rates, averaging $298 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $889 |
| NatGen Custom 360 | $744 |
| Direct Auto | $796 |
| American National P | $759 |
| North Carolina Farm Bureau | $874 |
| Safeco | $298 |
| PEMCO | $785 |
| Mercury Insurance | $641 |
| Rockford Mutual Insurance | $925 |
| Buckeye Insurance Group | $848 |
2012 Ford Expedition Insurance Rates
The average annual insurance cost for a 2012 Ford Expedition is $756. However, Mercury Insurance offers the cheapest rates, averaging $126 per year.
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $857 |
| Safeco | $371 |
| NatGen Value | $210 |
| Wolverine Mutual | $778 |
| Concord Group | $611 |
| Kemper Auto | Infinity | $227 |
| Buckeye Insurance Group | $509 |
| Mercury Insurance | $126 |
| Dairyland | $702 |
| SECURA Insurance | $731 |
2011 Ford Expedition Insurance Rates
The average annual insurance cost for a 2011 Ford Expedition is $604. However, Safeco offers the cheapest rates, averaging $61 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $805 |
| Mercury Insurance | $187 |
| Texas Farm Bureau Group | $944 |
| American National P | $408 |
| New Jersey Manufacturers | $952 |
| Pekin Insurance | $682 |
| Buckeye Insurance Group | $716 |
| AssuranceAmerica | $502 |
| Safeco | $61 |
| SECURA Insurance | $787 |
2010 Ford Expedition Insurance Rates
The average annual insurance cost for a 2010 Ford Expedition is $622. However, Safeco offers the cheapest rates, averaging $61 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $610 |
| Mississippi Farm Bureau | $730 |
| Mercury Insurance | $302 |
| Virginia Farm Bureau | $777 |
| North Carolina Farm Bureau | $761 |
| Pekin Insurance | $853 |
| Utica National Ins Group | $661 |
| Safeco | $13 |
| Countryway Insurance | $812 |
| Buckeye Insurance Group | $696 |
Find Affordable Ford Expedition Insurance Rates
Are Ford Expedition Expensive To Insure?
Insuring a 2025 Ford Expedition is generally more expensive than the average vehicle, primarily due to its classification as a full-size SUV. The average annual premium for full coverage is approximately $1,422, with minimum coverage averaging around $620 . Several factors contribute to these higher costs, including the vehicle’s size, which can lead to more substantial damage in collisions, and its higher repair expenses. Additionally, the Expedition’s powerful engine and towing capabilities may be associated with increased risk in the eyes of insurers. However, the model’s strong safety ratings and features can help mitigate some of these costs. Ultimately, while the Ford Expedition offers robust performance and spaciousness, prospective owners should be prepared for higher insurance premiums compared to smaller or less powerful vehicles.
Cost of Ford Expedition Car Insurance By Age
Age is a major factor in determining car insurance rates. Teenagers drivers usually face the highest premiums due to their higher likelihood of being involved in accidents. As you age and gain more experience behind the wheel, your insurance rates tend to decrease because you are viewed as a less risky driver. Typically, drivers in their 20s and 30s see the most significant drops in premiums. Once you reach middle age and beyond, your premiums may stabilize at a lower rate, provided you maintain a clean driving record.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,673 | $12,782 | $14,947 |
| 18 | $8,124 | $11,975 | $13,928 |
| 19 | $7,212 | $10,553 | $12,313 |
| 20 | $6,274 | $9,228 | $10,790 |
| 21 | $5,291 | $7,724 | $9,034 |
| 22 | $5,155 | $7,545 | $8,834 |
| 23 | $4,507 | $6,571 | $7,650 |
| 24 | $4,280 | $6,260 | $7,348 |
| 25 | $3,651 | $5,360 | $6,333 |
| 30 | $2,866 | $4,192 | $4,886 |
| 35 | $2,655 | $3,966 | $4,592 |
| 40 | $2,606 | $3,811 | $4,381 |
| 45 | $2,525 | $3,676 | $4,258 |
| 55 | $2,275 | $3,422 | $3,934 |
| 65 | $2,395 | $3,559 | $4,153 |
| 75 | $3,039 | $4,454 | $5,212 |
Ford Expedition Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance; for example, Michigan drivers tend to pay higher premiums because the state mandates higher levels of coverage. Additionally, each location has a unique climate. Some states experience extreme weather, such as hurricanes, storms, and flooding.
Moreover, each area has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance companies consider all of these factors when calculating your exact Ford Expedition insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,711 | $3,974 | $5,049 |
| Alaska | $2,283 | $3,120 | $3,043 |
| Arizona | $2,600 | $3,678 | $5,418 |
| Arkansas | $2,827 | $4,431 | $4,882 |
| California | $3,130 | $5,470 | $3,119 |
| Colorado | $2,917 | $4,067 | $5,131 |
| Connecticut | $3,746 | $5,795 | $7,303 |
| Delaware | $3,023 | $4,068 | $5,288 |
| Florida | $3,665 | $5,017 | $6,550 |
| Georgia | $3,002 | $4,502 | $4,518 |
| Hawaii | $1,169 | $1,604 | $1,229 |
| Idaho | $2,039 | $2,772 | $3,363 |
| Illinois | $2,173 | $3,290 | $3,693 |
| Indiana | $2,218 | $3,410 | $3,809 |
| Iowa | $1,736 | $2,458 | $2,875 |
| Kansas | $2,349 | $3,394 | $4,023 |
| Kentucky | $3,418 | $5,011 | $5,912 |
| Louisiana | $4,350 | $6,629 | $7,151 |
| Maine | $1,619 | $2,229 | $3,326 |
| Maryland | $2,678 | $3,832 | $4,352 |
| Massachusetts | $2,097 | $3,693 | $2,120 |
| Michigan | $5,127 | $7,901 | $12,375 |
| Minnesota | $2,102 | $2,865 | $3,966 |
| Mississippi | $2,522 | $3,638 | $3,706 |
| Missouri | $2,449 | $3,494 | $4,505 |
| Montana | $2,410 | $3,397 | $4,016 |
| Nebraska | $2,105 | $3,103 | $3,351 |
| Nevada | $3,388 | $5,074 | $5,372 |
| New Hampshire | $2,361 | $3,769 | $4,752 |
| New Jersey | $2,616 | $4,088 | $5,386 |
| New Mexico | $2,629 | $3,984 | $4,134 |
| New York | $2,485 | $3,102 | $5,164 |
| North Carolina | $1,544 | $2,655 | $1,865 |
| North Dakota | $2,148 | $3,161 | $3,821 |
| Ohio | $1,894 | $2,926 | $2,955 |
| Oklahoma | $2,949 | $4,296 | $4,850 |
| Oregon | $2,715 | $3,699 | $4,414 |
| Pennsylvania | $2,337 | $3,349 | $3,940 |
| Rhode Island | $3,858 | $5,658 | $6,365 |
| South Carolina | $2,566 | $3,559 | $4,936 |
| South Dakota | $2,330 | $3,332 | $3,883 |
| Tennessee | $2,793 | $4,051 | $5,369 |
| Texas | $2,764 | $4,007 | $4,978 |
| Utah | $2,337 | $3,275 | $4,524 |
| Vermont | $1,774 | $2,782 | $2,908 |
| Virginia | $1,668 | $2,633 | $2,592 |
| Washington | $2,210 | $3,077 | $3,704 |
| West Virginia | $2,282 | $3,256 | $4,110 |
| Wisconsin | $2,282 | $3,531 | $4,052 |
| Wyoming | $2,129 | $2,987 | $3,187 |
Find Affordable Ford Expedition Insurance Rates
Cheapest Car Insurance Companies For A Ford Expedition
Among the most affordable options for insuring a 2025 Ford Expedition, GEICO stands out with an estimated annual premium of $1,225, translating to about $102 per month. Travelers follows closely, offering comprehensive coverage for approximately $1,285 annually, or around $107 per month. Erie, known for competitive rates, provides coverage at an estimated $1,380 per year, which comes out to about $115 monthly. USAA, available to military members and their families, is particularly budget-friendly with an estimated annual cost of $1,155, or roughly $96 per month. State Farm combines strong service with affordability, with an annual premium estimated at $1,230, about $103 per month. These estimates assume a 40-year-old driver with a clean record, but actual rates can vary based on factors like location, driving history, and coverage choices.
| Company | Average Monthly Rate |
| GEICO | $102 |
| Travelers | $107 |
| Erie | $115 |
| USAA | $96 |
| State Farm | $106 |
Common Ford Expedition Insurance Discounts
There are several discounts available that can help reduce your car insurance costs. Here are some common ones to check with your provider:
- Multi-policy Discount: If you bundle your auto insurance with your home insurance or other policies, you may receive a discount.
- Pay Annually: If you choose to pay your entire premium upfront, you may qualify for a lower rate compared to paying monthly.
- Defensive Driving: Completing a defensive driving course from an accredited institution can make you eligible for a discount.
Additionally, you should speak to your insurance agent, as they can inform you of other discounts you may be eligible for based on your specific circumstances.
Ways To Save On Ford Expedition Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your insurance costs low for a Ford Expedition. If you have a speeding ticket, you can expect to pay around $86 per month for car insurance, while those with multiple accidents on their record may see their monthly premium rise to an average of $126.
Additionally, drivers who cover fewer miles annually typically pay lower premiums. If you drive between 7,501 and 10,000 miles a year, you can expect to pay around $79 per month. For drivers who exceed 10,000 miles annually, the premium tends to be slightly lower, averaging around $77 per month. By keeping your driving record clean and minimizing your mileage, you can reduce your insurance costs significantly.
Compare Ford Expedition To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, however, that the figures provided in this guide may vary based on your personal details and circumstances. Factors like your age, driving record, location, and the type of coverage you select can all impact your final premium.
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FAQs
Do You Need Insurance Before You Can Purchase A Ford Expedition?
Yes, you’ll need to provide proof of insurance before driving your Ford Expedition off the dealership lot. It’s best to purchase a policy in advance and then inform your insurance company that you’re about to buy the car. This way, your coverage will be active as soon as you drive it off, and you’ll avoid the often higher premiums offered through dealerships.
How Can You Get The Cheapest Insurance For Your Ford Expedition?
The best way to find the cheapest rates for your Ford Expedition is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right here on our website, helping you find the most affordable option for your needs.
