Does a Ford F150 or Ford Expedition Cost Less to Insure?

We break down insurance cost for a Ford F150 and a Ford Expedition head-to-head back to 2015 to see which has cheaper car insurance quotes.

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  • If the cheapest car insurance rate is important for deciding which vehicle you purchase, you’ll probably want to lean towards the Ford Expedition over the Ford F150. However, both the year and exact trim level of the vehicles affect car insurance rates.
  • When compared to the average cost to insure a 2024 model year vehicle in the U.S. of $2,512 per year, the Ford F150 costs an average of 4.3% more per year, while the Ford Expedition costs an average of 0.5% more per year.
  • For the 2024 model year Ford F150, average insurance rates cost from $2,200 to $3,042 per year, while insurance for the 2024 Ford Expedition ranges from $2,282 to $2,740, depending on the exact model being insured.

Is it cheaper to insure a Ford F150 or Ford Expedition?

For the 2024 model year, the model with the lower car insurance rates is the Ford Expedition. Insurance rates for the Ford F150 average $2,622 per year, and insurance for a Ford Expedition costs an average of $2,524 per year.

Out of 27 trim levels for the 2024 Ford F150, the cheapest rates are on the XL Super Cab 4WD trim at a cost of $2,200 per year. For the 19 trims available for the Ford Expedition, the cheapest 2024 model to insure is the XLT MAX model at a cost of $2,282 per year, or $190 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level is the Ford F150 XL Super Cab 4WD at an average cost of $2,200 per year, and the most expensive model and trim level is the Ford F150 Lightning Platinum Black Special Edition at an average cost of $3,042 per year.

The rate table below compares and ranks the cost of car insurance for 2024 Ford F150 and Ford Expedition models, showing cost for each trim level of both models.

2024 Model Year Ford F150 vs. Ford Expedition Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,200$183
$2,212$184
$2,282$190
$2,316$193
$2,330$194
$2,332$194
$2,364$197
$2,372$198
$2,374$198
$2,402$200
$2,410$201
$2,434$203
$2,436$203
$2,446$204
$2,448$204
$2,468$206
$2,494$208
$2,504$209
$2,508$209
$2,528$211
$2,532$211
$2,536$211
$2,572$214
$2,578$215
$2,614$218
$2,622$219
$2,628$219
$2,634$220
$2,676$223
$2,684$224
$2,692$224
$2,698$225
$2,698$225
$2,698$225
$2,712$226
$2,720$227
$2,724$227
$2,726$227
$2,740$228
$2,748$229
$2,886$241
$2,898$242
$2,906$242
$2,948$246
$3,010$251
$3,042$254

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Ford F150 and a 2024 Ford Expedition
Annual and monthly insurance cost by trim level for a 2024 Ford F150 and a 2024 Ford Expedition

The chart below illustrates the average cost to insure both models using drivers aged 20 to 50. The average cost of car insurance ranges from $2,322 to $5,298 per year for a 2024 Ford F150, and $2,228 to $5,064 for a 2024 Ford Expedition for the included driver ages.

Average car insurance premiums for 2024 Ford F150 and Ford Expedition models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2024 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$8,159$7,792
20-Year-Old$5,298$5,064
25-Year-Old$3,046$2,932
30-Year-Old$2,798$2,702
40-Year-Old$2,622$2,524
50-Year-Old$2,322$2,228
60-Year-Old$2,172$2,086

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

The next two tables show trim level insurance rates for each 2024 model, along with an average cost for each model.

2024 Ford F150

$2,622

Insurance Rates by Trim Level for a 2024 Ford F150
2024 Ford F150 TrimsRate
XL Super Cab 4WD$2,200
XL Regular Cab2,212
XL Super Cab2,316
XL Regular Cab 4WD2,330
XL SuperCrew2,364
STX Super Cab2,372
XLT Super Cab2,434
XL SuperCrew 4WD2,448
XLT SuperCrew2,468
XLT Super Cab 4WD2,504
XLT SuperCrew 4WD2,532
Tremor SuperCrew 4WD2,628
Lariat SuperCrew2,634
Lariat SuperCrew 4WD2,676
Lightning Pro2,684
King Ranch SuperCrew2,698
Platinum SuperCrew2,698
Platinum SuperCrew 4WD2,698
Raptor SuperCrew 4WD2,724
King Ranch SuperCrew 4WD2,726
Lightning XLT Standard Range2,748
Lightning XLT Extended Range2,886
Lightning Lariat Standard Range2,898
Lightning Flash Extended Range2,906
Lightning Lariat Extended Range2,948
Lightning Platinum3,010
Lightning Platinum Black Special Edition3,042
2024 Ford F150 Average Rate$2,622

2024 Ford Expedition

$2,524

Insurance Rates by Trim Level for 2024 Ford F150
2024 Ford Expedition TrimsRate
XLT MAX$2,282
XLT MAX 4WD2,332
XL STX2,374
Limited MAX2,402
XL STX 4WD2,410
Limited MAX 4WD2,436
XLT2,446
XLT 4WD2,494
King Ranch MAX2,508
Platinum MAX2,528
King Ranch MAX 4WD2,536
Platinum MAX 4WD2,572
Limited2,578
Limited 4WD2,614
Timerline 4WD2,622
King Ranch2,692
Platinum2,712
King Ranch 4WD2,720
Platinum 4WD2,740
2024 Ford Expedition Average Rate$2,524

2023 Ford F150 vs. Ford Expedition

Car insurance rates for a 2023 Ford F150 cost an average of $2,314 per year, while insurance for a Ford Expedition costs an average of $2,346 per year, making the Ford F150 the model with better average insurance cost.

Within each different model, however, the cost of insurance varies noticeably depending on the trim level of the vehicle being insured.

For example, on a 2023 Ford F150, average insurance rates range from $1,982 per year for the XL Super Cab 4WD model up to the most expensive rate of $2,558 for the Lightning Platinum model.

For the 2023 Ford Expedition, rates can range from $2,110 per year for the XLT MAX model up to $2,554 on the most expensive to insure Platinum 4WD model.

The rate table below compares the yearly and monthly cost of car insurance for 2023 Ford F150 and Ford Expedition models, showing the average cost for every trim level.

2023 Model Year Ford F150 vs. Ford Expedition Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,982$165
$2,010$168
$2,110$176
$2,110$176
$2,124$177
$2,136$178
$2,150$179
$2,158$180
$2,190$183
$2,220$185
$2,220$185
$2,222$185
$2,226$186
$2,250$188
$2,256$188
$2,256$188
$2,272$189
$2,286$191
$2,288$191
$2,306$192
$2,318$193
$2,332$194
$2,338$195
$2,338$195
$2,358$197
$2,360$197
$2,376$198
$2,388$199
$2,388$199
$2,402$200
$2,406$201
$2,416$201
$2,424$202
$2,438$203
$2,440$203
$2,442$204
$2,474$206
$2,482$207
$2,502$209
$2,508$209
$2,516$210
$2,522$210
$2,528$211
$2,534$211
$2,554$213
$2,558$213

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Ford F150 and a 2023 Ford Expedition
Annual and monthly insurance cost by trim level for a 2023 Ford F150 and a 2023 Ford Expedition

The chart below demonstrates the average cost to insure both models rated for multiple driver ages. For the 2023 Ford F150, the average car insurance cost ranges from $2,054 to $4,624 per year for the example age groups. Full-coverage insurance on a 2023 Ford Expedition costs from $2,072 to $4,730 on average per year.

Average car insurance premiums for 2023 Ford F150 and Ford Expedition models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$7,082$7,291
20-Year-Old$4,624$4,730
25-Year-Old$2,684$2,726
30-Year-Old$2,466$2,508
40-Year-Old$2,314$2,346
50-Year-Old$2,054$2,072
60-Year-Old$1,922$1,942

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

Out of 27 trim levels for the 2023 Ford F150, the lowest-cost insurance prices are on the XL Super Cab 4WD model at a cost of $1,982 per year, or about $165 per month. For the 19 different trim levels available for the Ford Expedition, the most affordable 2023 trim to insure is the XLT MAX trim at a cost of $2,110.

When looking at the combined rates by trim level for both models, the lowest-cost model and trim to buy insurance for is the Ford F150 XL Super Cab 4WD at an average rate of $1,982 per year. The most expensive model and trim level is the Ford F150 Lightning Platinum at an average of $2,558 per year.

The two tables below display the average insurance cost by trim level for both 2023 models, as well as an average rate for each model. The cheapest of the two models to insure for the 2023 model year is the Ford F150.

2023 Ford F150

$2,314

Insurance Rates by Trim Level for a 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,982
XL Regular Cab2,010
XL Super Cab2,110
XLT Regular Cab 4WD2,124
XL Regular Cab 4WD2,136
XL SuperCrew2,158
XLT Regular Cab2,190
XLT Super Cab2,222
XL SuperCrew 4WD2,226
XLT SuperCrew2,256
XLT Super Cab 4WD2,256
XLT SuperCrew 4WD2,286
Lightning Pro2,306
Lariat SuperCrew2,360
Lightning XLT2,376
Lariat SuperCrew 4WD2,388
Tremor SuperCrew 4WD2,388
King Ranch SuperCrew2,402
Platinum SuperCrew2,416
King Ranch SuperCrew 4WD2,424
Platinum SuperCrew 4WD2,438
Lightning Lariat2,474
Raptor SuperCrew 4WD2,482
Lightning XLT Premium2,502
Limited SuperCrew2,516
Lightning Lariat Premium2,522
Lightning Platinum2,558
2023 Ford F150 Average Rate$2,314

2023 Ford Expedition

$2,346

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford Expedition TrimsRate
XLT MAX$2,110
XLT MAX 4WD2,150
XL STX2,220
Limited MAX2,220
Limited MAX 4WD2,250
XL STX 4WD2,272
XLT2,288
King Ranch MAX2,318
XLT 4WD2,332
King Ranch MAX 4WD2,338
Platinum MAX2,338
Platinum MAX 4WD2,358
Limited2,406
Limited 4WD2,440
Timerline 4WD2,442
King Ranch2,508
Platinum2,528
King Ranch 4WD2,534
Platinum 4WD2,554
2023 Ford Expedition Average Rate$2,346

2022 Ford F150 vs. Ford Expedition

When comparing insurance rates for 2022 models, the Ford F150 costs an average of $2,066 per year to insure and the Ford Expedition costs $2,272, making the Ford F150 the cheaper model to insure by $206 for 2022.

The chart below demonstrates the average car insurance cost for the two models with different ages of drivers. For a 2022 Ford F150, the average insurance cost ranges from $1,838 to $4,148 per year for these driver ages. Car insurance on a 2022 Ford Expedition costs from $2,012 to $4,614 on average per year.

Average car insurance premiums for 2022 Ford F150 and Ford Expedition models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$6,363$7,121
20-Year-Old$4,148$4,614
25-Year-Old$2,398$2,646
30-Year-Old$2,200$2,430
40-Year-Old$2,066$2,272
50-Year-Old$1,838$2,012
60-Year-Old$1,718$1,884

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

Out of 31 trim levels for the 2022 Ford F150, the cheapest average car insurance prices are on the XL Regular Cab 4WD trim at a cost of $1,782 per year, or about $149 per month.

Out of the 18 trim options available for the Ford Expedition, the lowest-cost 2022 trim level to insure is the XLT MAX model at a cost of $2,038.

When comparing both models combined at a trim-level basis, the cheapest model and trim level to buy insurance for is the Ford F150 XL Regular Cab 4WD at an average cost of $1,782 per year. The most expensive trim is the Ford Expedition Platinum 4WD costing $2,490 per year.

The rate tables below show average car insurance cost by trim level for each 2022 model, including an overall average rate. The 2022 Ford F150 has cheaper overall car insurance rates than the 2022 Ford Expedition.

2022 Ford F150

$2,066

Insurance Rates by Trim Level for a 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,782
XL Super Cab 4WD1,854
XLT Regular Cab 4WD1,882
Lightning Pro1,900
XL SuperCrew 4WD1,908
XL Regular Cab1,918
XLT Super Cab 4WD1,922
XLT SuperCrew 4WD1,948
Lariat Super Cab 4WD1,990
XL Super Cab2,006
Lariat SuperCrew 4WD2,010
Tremor SuperCrew 4WD2,030
Lightning XLT2,030
XLT Regular Cab2,042
Lightning XLT Premium2,056
XL SuperCrew2,068
King Ranch SuperCrew 4WD2,072
XLT Super Cab2,088
Platinum SuperCrew 4WD2,090
Raptor SuperCrew 4WD2,112
Lightning Lariat2,112
XLT SuperCrew2,122
Lightning Lariat Premium2,160
Lariat Super Cab2,170
Lightning Platinum2,190
Lariat SuperCrew2,194
Tremor SuperCrew2,214
King Ranch SuperCrew2,262
Platinum SuperCrew2,282
Raptor SuperCrew2,310
Limited SuperCrew2,350
2022 Ford F150 Average Rate$2,066

2022 Ford Expedition

$2,272

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford Expedition TrimsRate
XLT MAX$2,038
XLT MAX 4WD2,082
XL STX2,150
Limited MAX2,154
Limited MAX 4WD2,186
XL STX 4WD2,202
XLT2,214
XLT 4WD2,264
King Ranch MAX2,264
Platinum MAX2,268
King Ranch MAX 4WD2,270
Platinum MAX 4WD2,294
Limited2,342
Limited 4WD2,374
King Ranch2,452
Platinum2,462
King Ranch 4WD2,478
Platinum 4WD2,490
2022 Ford Expedition Average Rate$2,272

2021 Ford F150 vs. Ford Expedition

When comparing average insurance cost for 2021 models, the Ford F150 costs an average of $2,084 per year for full coverage and the Ford Expedition costs $2,272, making the Ford F150 the winner by $188 for this comparison year.

The following chart illustrates the average insurance cost for the two models rated for drivers aged 20 to 50. Average full-coverage insurance ranges from $1,852 to $4,232 per year for a 2021 Ford F150, and $2,012 to $4,614 on the 2021 Ford Expedition for the illustrated age groups.

Average car insurance premiums for 2021 Ford F150 and Ford Expedition models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$6,525$7,117
20-Year-Old$4,232$4,614
25-Year-Old$2,424$2,642
30-Year-Old$2,222$2,422
40-Year-Old$2,084$2,272
50-Year-Old$1,852$2,012
60-Year-Old$1,736$1,886

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

Out of 43 Ford F150 trim levels, the cheapest 2021 model to insure is the XL Regular Cab 6.5 4WD trim at an average cost of $1,858 per year, or $155 per month. A 2021 Ford Expedition has 10 different trims available, with the lowest-cost trim level to insure being the XL 2WD trim at an average cost of $2,112 per year.

When trim-level rates for both models are compared, the cheapest model and trim level to buy insurance for is the Ford F150 XL Regular Cab 6.5 4WD at an average rate of $1,858 per year. The most expensive model and trim level is the Ford F150 Limited Super Cab 2WD at an average of $2,468 per year.

The next two rate tables show the cost to insure the available trim levels for both 2021 models, including an overall average cost for each model. The model with the cheapest car insurance rates for 2021 is the Ford F150.

2021 Ford F150

$2,084

Insurance Rates by Trim Level for a 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,858
XL Regular Cab 8 Ft Bed 4WD1,858
XL Regular Cab 2WD1,888
XL Regular Cab 6.5 2WD1,888
XL Super Cab 6.5 4WD1,924
XL Super Cab 8 Ft Bed 4WD1,924
XL SuperCrew 4WD1,924
XLT Regular Cab 6.5 4WD1,924
XLT Regular Cab 8 Ft Bed 4WD1,924
XL Super Cab 6.5 2WD1,952
XL SuperCrew 6.5 4WD1,990
XLT Super Cab 6.5 4WD1,990
XLT Super Cab 8 Ft Bed 4WD1,990
XLT SuperCrew 4WD1,990
XLT SuperCrew 6.52,008
Lariat Super Cab 4WD2,052
Lariat Super Cab 6.5 4WD2,052
Lariat Super Cab 8 Ft Bed 4WD2,052
XLT SuperCrew 6.5 4WD2,052
Lariat Super Cab 6.52,072
XL Super Cab 8 Ft Bed 2WD2,082
XL SuperCrew 2WD2,082
XLT Regular Cab 2WD2,082
XLT Regular Cab 6.5 2WD2,082
Raptor Super Cab 4WD2,118
King Ranch Crew Cab 6.52,136
XL SuperCrew 6.52,146
XLT Super Cab 6.5 2WD2,146
XLT Super Cab 8 Ft Bed 2WD2,146
XLT SuperCrew 2WD2,146
King Ranch Crew Cab 4WD2,182
King Ranch Crew Cab 6.5 4WD2,182
Platinum SuperCrew 4WD2,182
Platinum SuperCrew 6.5 4WD2,182
Raptor Crew Cab 4WD2,182
Platinum SuperCrew 6.52,202
Lariat Super Cab 2WD2,210
Lariat Super Cab 6.5 2WD2,210
Lariat Super Cab 8 Ft Bed 2WD2,210
King Ranch Crew Cab 2WD2,338
Limited Super Cab 4WD2,356
Platinum SuperCrew 2WD2,404
Limited Super Cab 2WD2,468
2021 Ford F150 Average Rate$2,084

2021 Ford Expedition

$2,272

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford Expedition TrimsRate
XL 2WD$2,112
Limited 2WD2,174
XL 4WD2,176
XLT 2WD2,176
Limited 4WD2,240
XLT 4WD2,240
King Ranch 2WD2,368
Platinum 2WD2,368
King Ranch 4WD2,434
Platinum 4WD2,434
2021 Ford Expedition Average Rate$2,272

2020 Ford F150 vs. Ford Expedition

For 2020 Ford F150 and Ford Expedition models, the Ford F150 is cheaper to insure by an average of $180 per year for this model year.

The following chart visualizes the average car insurance cost for the two models rated for a variety of different driver ages. For a 2020 Ford F150, the average cost of car insurance ranges from $1,798 to $4,108 per year for the age groups included in the chart. Full-coverage insurance for a 2020 Ford Expedition ranges from $1,950 to $4,476 on average per year.

Average car insurance premiums for 2020 Ford F150 and Ford Expedition models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2020 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$6,331$6,899
20-Year-Old$4,108$4,476
25-Year-Old$2,354$2,562
30-Year-Old$2,158$2,348
40-Year-Old$2,024$2,204
50-Year-Old$1,798$1,950
60-Year-Old$1,686$1,832

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 26, 2025

Out of 43 Ford F150 trims, the cheapest 2020 trim to insure is the XL Regular Cab 6.5 4WD trim at an average cost of $1,804 per year, or about $150 per month. For the 10 different trim levels available for the Ford Expedition, the lowest-cost 2020 trim level to insure is the XL 2WD trim at a cost of $2,050.

When rates for all 53 trim levels for both vehicles are compared, the most affordable model and trim level to put coverage on is the Ford F150 XL Regular Cab 6.5 4WD at an average rate of $1,804 per year, and the most expensive trim is the Ford F150 Limited Super Cab 2WD costing $2,394 per year.

The next two tables display all the available trims for both 2020 models, including an overall average cost for each model. The 2020 Ford F150 wins out over the 2020 Ford Expedition for the cheapest car insurance cost.

2020 Ford F150

$2,024

Insurance Rates by Trim Level for a 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,804
XL Regular Cab 8 Ft Bed 4WD1,804
XL Regular Cab 2WD1,838
XL Regular Cab 6.5 2WD1,838
XL Super Cab 6.5 4WD1,866
XL Super Cab 8 Ft Bed 4WD1,866
XL SuperCrew 4WD1,866
XLT Regular Cab 6.5 4WD1,866
XLT Regular Cab 8 Ft Bed 4WD1,866
XL Super Cab 6.5 2WD1,902
XL SuperCrew 6.5 4WD1,928
XLT Super Cab 6.5 4WD1,928
XLT Super Cab 8 Ft Bed 4WD1,928
XLT SuperCrew 4WD1,928
XLT SuperCrew 6.51,946
Lariat Super Cab 4WD1,990
Lariat Super Cab 6.5 4WD1,990
Lariat Super Cab 8 Ft Bed 4WD1,990
XLT SuperCrew 6.5 4WD1,990
Lariat Super Cab 6.52,008
XL Super Cab 8 Ft Bed 2WD2,024
XL SuperCrew 2WD2,024
XLT Regular Cab 2WD2,024
XLT Regular Cab 6.5 2WD2,024
Raptor Super Cab 4WD2,052
King Ranch Crew Cab 6.52,070
XL SuperCrew 6.52,086
XLT Super Cab 6.5 2WD2,086
XLT Super Cab 8 Ft Bed 2WD2,086
XLT SuperCrew 2WD2,086
King Ranch Crew Cab 4WD2,112
King Ranch Crew Cab 6.5 4WD2,112
Platinum SuperCrew 4WD2,112
Platinum SuperCrew 6.5 4WD2,112
Raptor Crew Cab 4WD2,112
Platinum SuperCrew 6.52,132
Lariat Super Cab 2WD2,146
Lariat Super Cab 6.5 2WD2,146
Lariat Super Cab 8 Ft Bed 2WD2,146
King Ranch Crew Cab 2WD2,272
Limited Super Cab 4WD2,280
Platinum SuperCrew 2WD2,334
Limited Super Cab 2WD2,394
2020 Ford F150 Average Rate$2,024

2020 Ford Expedition

$2,204

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford Expedition TrimsRate
XL 2WD$2,050
Limited 2WD2,108
XL 4WD2,112
XLT 2WD2,112
Limited 4WD2,168
XLT 4WD2,174
King Ranch 2WD2,298
Platinum 2WD2,298
King Ranch 4WD2,360
Platinum 4WD2,360
2020 Ford Expedition Average Rate$2,204

2019 Ford F150 vs. Ford Expedition

A 2019 Ford F150 is $118 cheaper to insure per year on average than a 2019 Ford Expedition, a difference of 6%.

The following chart demonstrates the average car insurance cost for the two models using drivers aged 20 to 50. A full-coverage car insurance policy ranges from $1,692 to $3,870 per year on the 2019 Ford F150, and $1,784 to $4,090 for the 2019 Ford Expedition for the age groups used in this illustration.

Average car insurance premiums for 2019 Ford F150 and Ford Expedition models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$5,960$6,313
20-Year-Old$3,870$4,090
25-Year-Old$2,214$2,346
30-Year-Old$2,028$2,158
40-Year-Old$1,902$2,020
50-Year-Old$1,692$1,784
60-Year-Old$1,588$1,672

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

Out of 24 Ford F150 trims, the cheapest 2019 trim to insure is the XL Regular Cab 4WD model at an average cost of $1,632 per year.

Out of the 16 trim options available for the Ford Expedition, the cheapest 2019 model to insure is the Max XL 2WD trim at a cost of $1,862.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average rate of $1,632 per year, and the highest-cost model and trim level is the Ford F150 Limited Crew Cab 2WD at an average cost of $2,244 per year.

The two tables below detail average car insurance rates for each trim level, including an overall average cost for each model. The model with the cheapest overall car insurance rates for 2019 is the Ford F150.

2019 Ford F150

$1,902

Insurance Rates by Trim Level for a 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,632
XL Regular Cab 2WD1,710
XL Super Cab 4WD1,710
XL Crew Cab 4WD1,768
XLT Regular Cab 4WD1,768
XL Super Cab 2WD1,770
XLT Crew Cab 4WD1,828
XLT Super Cab 4WD1,828
XL Crew Cab 2WD1,846
XLT Regular Cab 2WD1,846
Lariat Crew Cab 4WD1,886
Lariat Super Cab 4WD1,886
XLT Crew Cab 2WD1,906
XLT Super Cab 2WD1,906
Raptor Super Cab 4WD1,946
Lariat Crew Cab 2WD1,966
Lariat Super Cab 2WD1,966
King Ranch Crew Cab 4WD2,004
Platinum Crew Cab 4WD2,004
Raptor Crew Cab 4WD2,004
King Ranch Crew Cab 2WD2,082
Platinum Crew Cab 2WD2,082
Limited Crew Cab 4WD2,166
Limited Crew Cab 2WD2,244
2019 Ford F150 Average Rate$1,902

2019 Ford Expedition

$2,020

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford Expedition TrimsRate
Max XL 2WD$1,862
Max XLT 2WD1,862
Max XL 4WD1,922
Max XLT 4WD1,922
XL 2WD1,928
XL 4WD1,988
XLT 2WD1,988
Max Limited 2WD2,000
Max Limited 4WD2,000
XLT 4WD2,046
Limited 2WD2,082
Max Platinum 2WD2,100
Max Platinum 4WD2,100
Limited 4WD2,124
Platinum 2WD2,166
Platinum 4WD2,226
2019 Ford Expedition Average Rate$2,020

2018 Ford F150 vs. Ford Expedition

A 2018 Ford F150 costs $114 less per year to insure per year on average than a 2018 Ford Expedition, a difference of 6.1%.

The chart below demonstrates the average insurance cost for both 2018 models rated for drivers aged 20 to 50. Average insurance cost ranges from $1,602 to $3,646 per year for a 2018 Ford F150, and $1,690 to $3,864 on a 2018 Ford Expedition for the included driver ages.

Average car insurance premiums for 2018 Ford F150 and Ford Expedition models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2018 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$5,610$5,959
20-Year-Old$3,646$3,864
25-Year-Old$2,090$2,220
30-Year-Old$1,912$2,040
40-Year-Old$1,798$1,912
50-Year-Old$1,602$1,690
60-Year-Old$1,502$1,588

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 26, 2025

Out of 24 Ford F150 trims, the lowest-cost 2018 model to insure is the XL Regular Cab 4WD trim at an average cost of $1,562 per year. For the 18 trim levels available for the Ford Expedition, the most affordable 2018 model to insure is the Max XL 2WD trim at a cost of $1,776 per year, or around $148 per month.

When all 42 trims of both models are combined and compared, the most affordable model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average rate of $1,562 per year. The highest-cost model and trim level is the Ford Expedition Platinum 4WD costing an average of $2,120 per year.

The next two rate tables break down all the available trims for both 2018 models, as well as the overall average rate for each model. The 2018 Ford F150 has cheaper average car insurance rates than the 2018 Ford Expedition.

2018 Ford F150

$1,798

Insurance Rates by Trim Level for a 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,562
XL Regular Cab 2WD1,586
XL Super Cab 4WD1,636
XL Crew Cab 4WD1,690
XLT Regular Cab 4WD1,690
XLT Super Cab 4WD1,690
XL Super Cab 2WD1,698
XLT Regular Cab 2WD1,698
Lariat Super Cab 4WD1,746
XLT Crew Cab 4WD1,746
XL Crew Cab 2WD1,770
XLT Super Cab 2WD1,770
Lariat Crew Cab 4WD1,802
Raptor Super Cab 4WD1,802
XLT Crew Cab 2WD1,826
Raptor Crew Cab 4WD1,858
Lariat Crew Cab 2WD1,882
Lariat Super Cab 2WD1,882
King Ranch Crew Cab 4WD1,914
Platinum Crew Cab 4WD1,914
Limited Crew Cab 4WD1,968
King Ranch Crew Cab 2WD1,994
Platinum Crew Cab 2WD1,994
Limited Crew Cab 2WD2,086
2018 Ford F150 Average Rate$1,798

2018 Ford Expedition

$1,912

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford Expedition TrimsRate
Max XL 2WD$1,776
Max XL 4WD1,776
Max XLT 2WD1,776
Max XLT 4WD1,830
XL 2WD1,842
King Ranch 4WD1,858
King Ranch 2WD1,896
XL 4WD1,896
XLT 2WD1,896
XLT 4WD1,896
Max Limited 2WD1,902
Max Limited 4WD1,902
Limited 2WD1,968
Max Platinum 2WD1,996
Max Platinum 4WD1,996
Limited 4WD2,008
Platinum 2WD2,062
Platinum 4WD2,120
2018 Ford Expedition Average Rate$1,912

2017 Ford F150 vs. Ford Expedition

When comparing car insurance rates for 2017 models, a Ford F150 costs an average of $1,726 per year to insure while a Ford Expedition costs $1,896, making the Ford F150 cheaper to insure by $170 per year.

The next chart displays the average cost to insure both 2017 models rated for drivers aged 20 to 50. For a 2017 Ford F150, the average car insurance cost ranges from $1,540 to $3,498 per year for the driver examples in the chart. Car insurance for a 2017 Ford Expedition ranges from $1,686 to $3,846 on average per year.

Average car insurance premiums for 2017 Ford F150 and Ford Expedition models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$5,375$5,919
20-Year-Old$3,498$3,846
25-Year-Old$2,004$2,202
30-Year-Old$1,836$2,018
40-Year-Old$1,726$1,896
50-Year-Old$1,540$1,686
60-Year-Old$1,442$1,580

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

A 2017 Ford F150 has 24 trims available, with the lowest-cost model to insure being the XL Regular Cab 4WD trim at an average cost of $1,506 per year.

For the 20 trims available for the Ford Expedition, the most affordable 2017 model to insure is the XL 2WD trim at a cost of $1,720 per year, or about $143 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Ford F150 XL Regular Cab 4WD at an average rate of $1,506 per year. The most expensive vehicle to insure is the Ford Expedition EL Platinum 4WD at a cost of $2,062 per year.

The next two rate tables illustrate both 2017 models and all trim levels available for each one, including an overall average cost for each model. The cheapest of the two models to insure for the 2017 model year is the Ford F150.

2017 Ford F150

$1,726

Insurance Rates by Trim Level for a 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,506
XL Regular Cab 2WD1,534
XL Super Cab 4WD1,578
XLT Regular Cab 4WD1,578
XL Crew Cab 4WD1,630
XLT Super Cab 4WD1,630
XL Super Cab 2WD1,640
XLT Regular Cab 2WD1,640
Lariat Super Cab 4WD1,682
XLT Crew Cab 4WD1,682
XL Crew Cab 2WD1,710
XLT Super Cab 2WD1,710
Lariat Crew Cab 4WD1,736
SVT Super Cab Raptor 4WD1,736
XLT Crew Cab 2WD1,762
Lariat King Ranch 4WD1,788
SVT Crew Cab Raptor 4WD1,788
Lariat Crew Cab 2WD1,814
Lariat Super Cab 2WD1,814
Lariat Crew Cab Platinum Edition 4WD1,840
Limited Crew Cab 4WD1,892
Lariat Crew Cab Platinum Edition 2WD1,920
Lariat King Ranch 2WD1,920
Limited Crew Cab 2WD1,972
2017 Ford F150 Average Rate$1,726

2017 Ford Expedition

$1,896

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford Expedition TrimsRate
XL 2WD$1,720
XL 4WD1,720
XLT 2WD1,772
XLT 4WD1,772
EL XL 2WD1,814
EL XL 4WD1,868
EL XLT 2WD1,868
King Ranch 2WD1,876
Limited 2WD1,876
Limited 4WD1,876
King Ranch 4WD1,892
Platinum 2WD1,892
EL XLT 4WD1,920
Platinum 4WD1,930
EL Limited 2WD1,972
EL King Ranch 2WD2,008
EL Limited 4WD2,008
EL King Ranch 4WD2,062
EL Platinum 2WD2,062
EL Platinum 4WD2,062
2017 Ford Expedition Average Rate$1,896

2016 Ford F150 vs. Ford Expedition

For the 2016 Ford F150 and Ford Expedition models, the Ford F150 has cheaper car insurance cost by an average of $208 per year.

The chart shown below visualizes the average cost to insure the two models with different driver age groups. For the 2016 Ford F150, insurance cost ranges from $1,470 to $3,338 per year for the included age groups. Full-coverage car insurance on a 2016 Ford Expedition ranges from $1,650 to $3,744 on average per year.

Average car insurance premiums for 2016 Ford F150 and Ford Expedition models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$5,135$5,753
20-Year-Old$3,338$3,744
25-Year-Old$1,910$2,150
30-Year-Old$1,748$1,964
40-Year-Old$1,646$1,854
50-Year-Old$1,470$1,650
60-Year-Old$1,378$1,544

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

Out of 22 trim levels for a 2016 Ford F150, the cheapest car insurance rates are on the XL Regular Cab 4WD model at a cost of $1,458 per year. Out of the 20 different trim levels available for the Ford Expedition, the cheapest 2016 trim level to insure is the XL 2WD trim at a cost of $1,702.

When comparing rates by trim level for both models, the cheapest trim to put coverage on is the Ford F150 XL Regular Cab 4WD at an average cost of $1,458 per year. The most expensive model and trim level is the Ford Expedition EL Platinum 4WD costing $2,008 per year.

The rate tables below break down all the available trims for both 2016 models, including the average rate for each model. The 2016 Ford F150 is the winner over the 2016 Ford Expedition for the cheapest average car insurance rates.

2016 Ford F150

$1,646

Insurance Rates by Trim Level for a 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,458
XL Regular Cab 2WD1,476
XL Super Cab 4WD1,522
XLT Regular Cab 4WD1,522
XL Crew Cab 4WD1,570
XLT Super Cab 4WD1,570
XL Crew Cab 2WD1,574
XL Super Cab 2WD1,574
XLT Regular Cab 2WD1,574
Lariat Super Cab 4WD1,618
XLT Crew Cab 4WD1,618
XLT Super Cab 2WD1,636
Lariat Crew Cab 4WD1,668
Lariat Super Cab 2WD1,686
XLT Crew Cab 2WD1,686
Lariat King Ranch 4WD1,714
Lariat Crew Cab 2WD1,734
Lariat Crew Cab Platinum Edition 4WD1,764
Lariat King Ranch 2WD1,782
Limited Crew Cab 4WD1,812
Lariat Crew Cab Platinum Edition 2WD1,830
Limited Crew Cab 2WD1,880
2016 Ford F150 Average Rate$1,646

2016 Ford Expedition

$1,854

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford Expedition TrimsRate
XL 2WD$1,702
XL 4WD1,702
XLT 2WD1,748
XLT 4WD1,748
EL XL 2WD1,782
Limited 2WD1,798
EL XL 4WD1,830
EL XLT 2WD1,830
King Ranch 2WD1,846
Limited 4WD1,846
Platinum 2WD1,846
King Ranch 4WD1,862
Platinum 4WD1,862
EL XLT 4WD1,880
EL Limited 2WD1,928
EL King Ranch 2WD1,960
EL King Ranch 4WD1,960
EL Limited 4WD1,960
EL Platinum 2WD1,960
EL Platinum 4WD2,008
2016 Ford Expedition Average Rate$1,854

2015 Ford F150 vs. Ford Expedition

When comparing car insurance rates for the 2015 Ford F150 and Ford Expedition models, the Ford Expedition is cheaper by $70 per year for 2015.

The following chart displays the average insurance cost for both models with different ages of drivers. The average cost of full-coverage insurance ranges from $1,478 to $3,368 per year for a 2015 Ford F150, and $1,412 to $3,176 for the 2015 Ford Expedition for the sample drivers in the chart.

Average car insurance premiums for 2015 Ford F150 and Ford Expedition models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Ford F150 and Ford Expedition models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2015 model year Ford F150 and Ford Expedition. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Ford F150 vs. Ford Expedition Insurance Cost
Driver Age Ford F150 Ford Expedition
18-Year-Old$5,180$4,868
20-Year-Old$3,368$3,176
25-Year-Old$1,920$1,832
30-Year-Old$1,750$1,688
40-Year-Old$1,654$1,584
50-Year-Old$1,478$1,412
60-Year-Old$1,384$1,320

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 26, 2025

For the 20 trims available for the 2015 Ford F150, the most affordable model to insure is the XL Regular Cab 2WD model at an average cost of $1,456 per year. A 2015 Ford Expedition has 20 trim options available, with the cheapest model to insure being the EL XL 2WD model at an average cost of $1,454 per year, or about $121 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim to insure is the Ford Expedition EL XL 2WD at an average of $1,454 per year. The highest-cost model and trim is the Ford F150 Lariat Crew Cab Platinum Edition 2WD at an average cost of $1,812 per year.

The two tables below detail the average cost to insure all 2015 trim levels, along with an average cost for each model. The model with the cheapest overall car insurance rates for 2015 is the Ford Expedition.

2015 Ford F150

$1,654

Insurance Rates by Trim Level for a 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,456
XL Super Cab 2WD1,532
XL Regular Cab 4WD1,562
XL Super Cab 4WD1,562
XL Crew Cab 2WD1,576
XLT Regular Cab 2WD1,576
XL Crew Cab 4WD1,620
XLT Regular Cab 4WD1,620
XLT Crew Cab 2WD1,634
XLT Super Cab 2WD1,634
XLT Crew Cab 4WD1,664
XLT Super Cab 4WD1,664
Lariat Super Cab 2WD1,680
Lariat Crew Cab 4WD1,710
Lariat Super Cab 4WD1,710
Lariat Crew Cab 2WD1,724
Lariat King Ranch 2WD1,768
Lariat Crew Cab Platinum Edition 4WD1,798
Lariat King Ranch 4WD1,798
Lariat Crew Cab Platinum Edition 2WD1,812
2015 Ford F150 Average Rate$1,654

2015 Ford Expedition

$1,584

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford Expedition TrimsRate
EL XL 2WD$1,454
XL 2WD1,490
EL XL 4WD1,498
EL XLT 2WD1,498
EL XLT 4WD1,498
XL 4WD1,534
XLT 2WD1,534
XLT 4WD1,578
EL King Ranch 2WD1,586
EL Limited 2WD1,586
EL Limited 4WD1,586
Limited 2WD1,622
EL King Ranch 4WD1,630
EL Platinum 2WD1,630
EL Platinum 4WD1,630
King Ranch 2WD1,666
King Ranch 4WD1,666
Limited 4WD1,666
Platinum 2WD1,666
Platinum 4WD1,666
2015 Ford Expedition Average Rate$1,584

Additional Ford F150 and Ford Expedition Resources