- 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.
Model and Trim Level | Annual Premium | Cost Per Month |
---|---|---|
F150 XL Super Cab 4WD | $2,200 | $183 |
F150 XL Regular Cab | $2,212 | $184 |
Expedition XLT MAX | $2,282 | $190 |
F150 XL Super Cab | $2,316 | $193 |
F150 XL Regular Cab 4WD | $2,330 | $194 |
Expedition XLT MAX 4WD | $2,332 | $194 |
F150 XL SuperCrew | $2,364 | $197 |
F150 STX Super Cab | $2,372 | $198 |
Expedition XL STX | $2,374 | $198 |
Expedition Limited MAX | $2,402 | $200 |
Expedition XL STX 4WD | $2,410 | $201 |
F150 XLT Super Cab | $2,434 | $203 |
Expedition Limited MAX 4WD | $2,436 | $203 |
Expedition XLT | $2,446 | $204 |
F150 XL SuperCrew 4WD | $2,448 | $204 |
F150 XLT SuperCrew | $2,468 | $206 |
Expedition XLT 4WD | $2,494 | $208 |
F150 XLT Super Cab 4WD | $2,504 | $209 |
Expedition King Ranch MAX | $2,508 | $209 |
Expedition Platinum MAX | $2,528 | $211 |
F150 XLT SuperCrew 4WD | $2,532 | $211 |
Expedition King Ranch MAX 4WD | $2,536 | $211 |
Expedition Platinum MAX 4WD | $2,572 | $214 |
Expedition Limited | $2,578 | $215 |
Expedition Limited 4WD | $2,614 | $218 |
Expedition Timerline 4WD | $2,622 | $219 |
F150 Tremor SuperCrew 4WD | $2,628 | $219 |
F150 Lariat SuperCrew | $2,634 | $220 |
F150 Lariat SuperCrew 4WD | $2,676 | $223 |
F150 Lightning Pro | $2,684 | $224 |
Expedition King Ranch | $2,692 | $224 |
F150 King Ranch SuperCrew | $2,698 | $225 |
F150 Platinum SuperCrew | $2,698 | $225 |
F150 Platinum SuperCrew 4WD | $2,698 | $225 |
Expedition Platinum | $2,712 | $226 |
Expedition King Ranch 4WD | $2,720 | $227 |
F150 Raptor SuperCrew 4WD | $2,724 | $227 |
F150 King Ranch SuperCrew 4WD | $2,726 | $227 |
Expedition Platinum 4WD | $2,740 | $228 |
F150 Lightning XLT Standard Range | $2,748 | $229 |
F150 Lightning XLT Extended Range | $2,886 | $241 |
F150 Lightning Lariat Standard Range | $2,898 | $242 |
F150 Lightning Flash Extended Range | $2,906 | $242 |
F150 Lightning Lariat Extended Range | $2,948 | $246 |
F150 Lightning Platinum | $3,010 | $251 |
F150 Lightning Platinum Black Special Edition | $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
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.

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
2024 Ford F150 Trims | Rate |
---|---|
XL Super Cab 4WD | $2,200 |
XL Regular Cab | 2,212 |
XL Super Cab | 2,316 |
XL Regular Cab 4WD | 2,330 |
XL SuperCrew | 2,364 |
STX Super Cab | 2,372 |
XLT Super Cab | 2,434 |
XL SuperCrew 4WD | 2,448 |
XLT SuperCrew | 2,468 |
XLT Super Cab 4WD | 2,504 |
XLT SuperCrew 4WD | 2,532 |
Tremor SuperCrew 4WD | 2,628 |
Lariat SuperCrew | 2,634 |
Lariat SuperCrew 4WD | 2,676 |
Lightning Pro | 2,684 |
King Ranch SuperCrew | 2,698 |
Platinum SuperCrew | 2,698 |
Platinum SuperCrew 4WD | 2,698 |
Raptor SuperCrew 4WD | 2,724 |
King Ranch SuperCrew 4WD | 2,726 |
Lightning XLT Standard Range | 2,748 |
Lightning XLT Extended Range | 2,886 |
Lightning Lariat Standard Range | 2,898 |
Lightning Flash Extended Range | 2,906 |
Lightning Lariat Extended Range | 2,948 |
Lightning Platinum | 3,010 |
Lightning Platinum Black Special Edition | 3,042 |
2024 Ford F150 Average Rate | $2,622 |
2024 Ford Expedition
$2,524
2024 Ford Expedition Trims | Rate |
---|---|
XLT MAX | $2,282 |
XLT MAX 4WD | 2,332 |
XL STX | 2,374 |
Limited MAX | 2,402 |
XL STX 4WD | 2,410 |
Limited MAX 4WD | 2,436 |
XLT | 2,446 |
XLT 4WD | 2,494 |
King Ranch MAX | 2,508 |
Platinum MAX | 2,528 |
King Ranch MAX 4WD | 2,536 |
Platinum MAX 4WD | 2,572 |
Limited | 2,578 |
Limited 4WD | 2,614 |
Timerline 4WD | 2,622 |
King Ranch | 2,692 |
Platinum | 2,712 |
King Ranch 4WD | 2,720 |
Platinum 4WD | 2,740 |
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.
Model and Trim Level | Annual Premium | Cost Per Month |
---|---|---|
F150 XL Super Cab 4WD | $1,982 | $165 |
F150 XL Regular Cab | $2,010 | $168 |
F150 XL Super Cab | $2,110 | $176 |
Expedition XLT MAX | $2,110 | $176 |
F150 XLT Regular Cab 4WD | $2,124 | $177 |
F150 XL Regular Cab 4WD | $2,136 | $178 |
Expedition XLT MAX 4WD | $2,150 | $179 |
F150 XL SuperCrew | $2,158 | $180 |
F150 XLT Regular Cab | $2,190 | $183 |
Expedition XL STX | $2,220 | $185 |
Expedition Limited MAX | $2,220 | $185 |
F150 XLT Super Cab | $2,222 | $185 |
F150 XL SuperCrew 4WD | $2,226 | $186 |
Expedition Limited MAX 4WD | $2,250 | $188 |
F150 XLT SuperCrew | $2,256 | $188 |
F150 XLT Super Cab 4WD | $2,256 | $188 |
Expedition XL STX 4WD | $2,272 | $189 |
F150 XLT SuperCrew 4WD | $2,286 | $191 |
Expedition XLT | $2,288 | $191 |
F150 Lightning Pro | $2,306 | $192 |
Expedition King Ranch MAX | $2,318 | $193 |
Expedition XLT 4WD | $2,332 | $194 |
Expedition King Ranch MAX 4WD | $2,338 | $195 |
Expedition Platinum MAX | $2,338 | $195 |
Expedition Platinum MAX 4WD | $2,358 | $197 |
F150 Lariat SuperCrew | $2,360 | $197 |
F150 Lightning XLT | $2,376 | $198 |
F150 Lariat SuperCrew 4WD | $2,388 | $199 |
F150 Tremor SuperCrew 4WD | $2,388 | $199 |
F150 King Ranch SuperCrew | $2,402 | $200 |
Expedition Limited | $2,406 | $201 |
F150 Platinum SuperCrew | $2,416 | $201 |
F150 King Ranch SuperCrew 4WD | $2,424 | $202 |
F150 Platinum SuperCrew 4WD | $2,438 | $203 |
Expedition Limited 4WD | $2,440 | $203 |
Expedition Timerline 4WD | $2,442 | $204 |
F150 Lightning Lariat | $2,474 | $206 |
F150 Raptor SuperCrew 4WD | $2,482 | $207 |
F150 Lightning XLT Premium | $2,502 | $209 |
Expedition King Ranch | $2,508 | $209 |
F150 Limited SuperCrew | $2,516 | $210 |
F150 Lightning Lariat Premium | $2,522 | $210 |
Expedition Platinum | $2,528 | $211 |
Expedition King Ranch 4WD | $2,534 | $211 |
Expedition Platinum 4WD | $2,554 | $213 |
F150 Lightning Platinum | $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
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.

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
2023 Ford F150 Trims | Rate |
---|---|
XL Super Cab 4WD | $1,982 |
XL Regular Cab | 2,010 |
XL Super Cab | 2,110 |
XLT Regular Cab 4WD | 2,124 |
XL Regular Cab 4WD | 2,136 |
XL SuperCrew | 2,158 |
XLT Regular Cab | 2,190 |
XLT Super Cab | 2,222 |
XL SuperCrew 4WD | 2,226 |
XLT SuperCrew | 2,256 |
XLT Super Cab 4WD | 2,256 |
XLT SuperCrew 4WD | 2,286 |
Lightning Pro | 2,306 |
Lariat SuperCrew | 2,360 |
Lightning XLT | 2,376 |
Lariat SuperCrew 4WD | 2,388 |
Tremor SuperCrew 4WD | 2,388 |
King Ranch SuperCrew | 2,402 |
Platinum SuperCrew | 2,416 |
King Ranch SuperCrew 4WD | 2,424 |
Platinum SuperCrew 4WD | 2,438 |
Lightning Lariat | 2,474 |
Raptor SuperCrew 4WD | 2,482 |
Lightning XLT Premium | 2,502 |
Limited SuperCrew | 2,516 |
Lightning Lariat Premium | 2,522 |
Lightning Platinum | 2,558 |
2023 Ford F150 Average Rate | $2,314 |
2023 Ford Expedition
$2,346
2023 Ford Expedition Trims | Rate |
---|---|
XLT MAX | $2,110 |
XLT MAX 4WD | 2,150 |
XL STX | 2,220 |
Limited MAX | 2,220 |
Limited MAX 4WD | 2,250 |
XL STX 4WD | 2,272 |
XLT | 2,288 |
King Ranch MAX | 2,318 |
XLT 4WD | 2,332 |
King Ranch MAX 4WD | 2,338 |
Platinum MAX | 2,338 |
Platinum MAX 4WD | 2,358 |
Limited | 2,406 |
Limited 4WD | 2,440 |
Timerline 4WD | 2,442 |
King Ranch | 2,508 |
Platinum | 2,528 |
King Ranch 4WD | 2,534 |
Platinum 4WD | 2,554 |
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.

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
2022 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 4WD | $1,782 |
XL Super Cab 4WD | 1,854 |
XLT Regular Cab 4WD | 1,882 |
Lightning Pro | 1,900 |
XL SuperCrew 4WD | 1,908 |
XL Regular Cab | 1,918 |
XLT Super Cab 4WD | 1,922 |
XLT SuperCrew 4WD | 1,948 |
Lariat Super Cab 4WD | 1,990 |
XL Super Cab | 2,006 |
Lariat SuperCrew 4WD | 2,010 |
Tremor SuperCrew 4WD | 2,030 |
Lightning XLT | 2,030 |
XLT Regular Cab | 2,042 |
Lightning XLT Premium | 2,056 |
XL SuperCrew | 2,068 |
King Ranch SuperCrew 4WD | 2,072 |
XLT Super Cab | 2,088 |
Platinum SuperCrew 4WD | 2,090 |
Raptor SuperCrew 4WD | 2,112 |
Lightning Lariat | 2,112 |
XLT SuperCrew | 2,122 |
Lightning Lariat Premium | 2,160 |
Lariat Super Cab | 2,170 |
Lightning Platinum | 2,190 |
Lariat SuperCrew | 2,194 |
Tremor SuperCrew | 2,214 |
King Ranch SuperCrew | 2,262 |
Platinum SuperCrew | 2,282 |
Raptor SuperCrew | 2,310 |
Limited SuperCrew | 2,350 |
2022 Ford F150 Average Rate | $2,066 |
2022 Ford Expedition
$2,272
2022 Ford Expedition Trims | Rate |
---|---|
XLT MAX | $2,038 |
XLT MAX 4WD | 2,082 |
XL STX | 2,150 |
Limited MAX | 2,154 |
Limited MAX 4WD | 2,186 |
XL STX 4WD | 2,202 |
XLT | 2,214 |
XLT 4WD | 2,264 |
King Ranch MAX | 2,264 |
Platinum MAX | 2,268 |
King Ranch MAX 4WD | 2,270 |
Platinum MAX 4WD | 2,294 |
Limited | 2,342 |
Limited 4WD | 2,374 |
King Ranch | 2,452 |
Platinum | 2,462 |
King Ranch 4WD | 2,478 |
Platinum 4WD | 2,490 |
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.

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
2021 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 6.5 4WD | $1,858 |
XL Regular Cab 8 Ft Bed 4WD | 1,858 |
XL Regular Cab 2WD | 1,888 |
XL Regular Cab 6.5 2WD | 1,888 |
XL Super Cab 6.5 4WD | 1,924 |
XL Super Cab 8 Ft Bed 4WD | 1,924 |
XL SuperCrew 4WD | 1,924 |
XLT Regular Cab 6.5 4WD | 1,924 |
XLT Regular Cab 8 Ft Bed 4WD | 1,924 |
XL Super Cab 6.5 2WD | 1,952 |
XL SuperCrew 6.5 4WD | 1,990 |
XLT Super Cab 6.5 4WD | 1,990 |
XLT Super Cab 8 Ft Bed 4WD | 1,990 |
XLT SuperCrew 4WD | 1,990 |
XLT SuperCrew 6.5 | 2,008 |
Lariat Super Cab 4WD | 2,052 |
Lariat Super Cab 6.5 4WD | 2,052 |
Lariat Super Cab 8 Ft Bed 4WD | 2,052 |
XLT SuperCrew 6.5 4WD | 2,052 |
Lariat Super Cab 6.5 | 2,072 |
XL Super Cab 8 Ft Bed 2WD | 2,082 |
XL SuperCrew 2WD | 2,082 |
XLT Regular Cab 2WD | 2,082 |
XLT Regular Cab 6.5 2WD | 2,082 |
Raptor Super Cab 4WD | 2,118 |
King Ranch Crew Cab 6.5 | 2,136 |
XL SuperCrew 6.5 | 2,146 |
XLT Super Cab 6.5 2WD | 2,146 |
XLT Super Cab 8 Ft Bed 2WD | 2,146 |
XLT SuperCrew 2WD | 2,146 |
King Ranch Crew Cab 4WD | 2,182 |
King Ranch Crew Cab 6.5 4WD | 2,182 |
Platinum SuperCrew 4WD | 2,182 |
Platinum SuperCrew 6.5 4WD | 2,182 |
Raptor Crew Cab 4WD | 2,182 |
Platinum SuperCrew 6.5 | 2,202 |
Lariat Super Cab 2WD | 2,210 |
Lariat Super Cab 6.5 2WD | 2,210 |
Lariat Super Cab 8 Ft Bed 2WD | 2,210 |
King Ranch Crew Cab 2WD | 2,338 |
Limited Super Cab 4WD | 2,356 |
Platinum SuperCrew 2WD | 2,404 |
Limited Super Cab 2WD | 2,468 |
2021 Ford F150 Average Rate | $2,084 |
2021 Ford Expedition
$2,272
2021 Ford Expedition Trims | Rate |
---|---|
XL 2WD | $2,112 |
Limited 2WD | 2,174 |
XL 4WD | 2,176 |
XLT 2WD | 2,176 |
Limited 4WD | 2,240 |
XLT 4WD | 2,240 |
King Ranch 2WD | 2,368 |
Platinum 2WD | 2,368 |
King Ranch 4WD | 2,434 |
Platinum 4WD | 2,434 |
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.

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
2020 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 6.5 4WD | $1,804 |
XL Regular Cab 8 Ft Bed 4WD | 1,804 |
XL Regular Cab 2WD | 1,838 |
XL Regular Cab 6.5 2WD | 1,838 |
XL Super Cab 6.5 4WD | 1,866 |
XL Super Cab 8 Ft Bed 4WD | 1,866 |
XL SuperCrew 4WD | 1,866 |
XLT Regular Cab 6.5 4WD | 1,866 |
XLT Regular Cab 8 Ft Bed 4WD | 1,866 |
XL Super Cab 6.5 2WD | 1,902 |
XL SuperCrew 6.5 4WD | 1,928 |
XLT Super Cab 6.5 4WD | 1,928 |
XLT Super Cab 8 Ft Bed 4WD | 1,928 |
XLT SuperCrew 4WD | 1,928 |
XLT SuperCrew 6.5 | 1,946 |
Lariat Super Cab 4WD | 1,990 |
Lariat Super Cab 6.5 4WD | 1,990 |
Lariat Super Cab 8 Ft Bed 4WD | 1,990 |
XLT SuperCrew 6.5 4WD | 1,990 |
Lariat Super Cab 6.5 | 2,008 |
XL Super Cab 8 Ft Bed 2WD | 2,024 |
XL SuperCrew 2WD | 2,024 |
XLT Regular Cab 2WD | 2,024 |
XLT Regular Cab 6.5 2WD | 2,024 |
Raptor Super Cab 4WD | 2,052 |
King Ranch Crew Cab 6.5 | 2,070 |
XL SuperCrew 6.5 | 2,086 |
XLT Super Cab 6.5 2WD | 2,086 |
XLT Super Cab 8 Ft Bed 2WD | 2,086 |
XLT SuperCrew 2WD | 2,086 |
King Ranch Crew Cab 4WD | 2,112 |
King Ranch Crew Cab 6.5 4WD | 2,112 |
Platinum SuperCrew 4WD | 2,112 |
Platinum SuperCrew 6.5 4WD | 2,112 |
Raptor Crew Cab 4WD | 2,112 |
Platinum SuperCrew 6.5 | 2,132 |
Lariat Super Cab 2WD | 2,146 |
Lariat Super Cab 6.5 2WD | 2,146 |
Lariat Super Cab 8 Ft Bed 2WD | 2,146 |
King Ranch Crew Cab 2WD | 2,272 |
Limited Super Cab 4WD | 2,280 |
Platinum SuperCrew 2WD | 2,334 |
Limited Super Cab 2WD | 2,394 |
2020 Ford F150 Average Rate | $2,024 |
2020 Ford Expedition
$2,204
2020 Ford Expedition Trims | Rate |
---|---|
XL 2WD | $2,050 |
Limited 2WD | 2,108 |
XL 4WD | 2,112 |
XLT 2WD | 2,112 |
Limited 4WD | 2,168 |
XLT 4WD | 2,174 |
King Ranch 2WD | 2,298 |
Platinum 2WD | 2,298 |
King Ranch 4WD | 2,360 |
Platinum 4WD | 2,360 |
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.

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
2019 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 4WD | $1,632 |
XL Regular Cab 2WD | 1,710 |
XL Super Cab 4WD | 1,710 |
XL Crew Cab 4WD | 1,768 |
XLT Regular Cab 4WD | 1,768 |
XL Super Cab 2WD | 1,770 |
XLT Crew Cab 4WD | 1,828 |
XLT Super Cab 4WD | 1,828 |
XL Crew Cab 2WD | 1,846 |
XLT Regular Cab 2WD | 1,846 |
Lariat Crew Cab 4WD | 1,886 |
Lariat Super Cab 4WD | 1,886 |
XLT Crew Cab 2WD | 1,906 |
XLT Super Cab 2WD | 1,906 |
Raptor Super Cab 4WD | 1,946 |
Lariat Crew Cab 2WD | 1,966 |
Lariat Super Cab 2WD | 1,966 |
King Ranch Crew Cab 4WD | 2,004 |
Platinum Crew Cab 4WD | 2,004 |
Raptor Crew Cab 4WD | 2,004 |
King Ranch Crew Cab 2WD | 2,082 |
Platinum Crew Cab 2WD | 2,082 |
Limited Crew Cab 4WD | 2,166 |
Limited Crew Cab 2WD | 2,244 |
2019 Ford F150 Average Rate | $1,902 |
2019 Ford Expedition
$2,020
2019 Ford Expedition Trims | Rate |
---|---|
Max XL 2WD | $1,862 |
Max XLT 2WD | 1,862 |
Max XL 4WD | 1,922 |
Max XLT 4WD | 1,922 |
XL 2WD | 1,928 |
XL 4WD | 1,988 |
XLT 2WD | 1,988 |
Max Limited 2WD | 2,000 |
Max Limited 4WD | 2,000 |
XLT 4WD | 2,046 |
Limited 2WD | 2,082 |
Max Platinum 2WD | 2,100 |
Max Platinum 4WD | 2,100 |
Limited 4WD | 2,124 |
Platinum 2WD | 2,166 |
Platinum 4WD | 2,226 |
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.

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
2018 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 4WD | $1,562 |
XL Regular Cab 2WD | 1,586 |
XL Super Cab 4WD | 1,636 |
XL Crew Cab 4WD | 1,690 |
XLT Regular Cab 4WD | 1,690 |
XLT Super Cab 4WD | 1,690 |
XL Super Cab 2WD | 1,698 |
XLT Regular Cab 2WD | 1,698 |
Lariat Super Cab 4WD | 1,746 |
XLT Crew Cab 4WD | 1,746 |
XL Crew Cab 2WD | 1,770 |
XLT Super Cab 2WD | 1,770 |
Lariat Crew Cab 4WD | 1,802 |
Raptor Super Cab 4WD | 1,802 |
XLT Crew Cab 2WD | 1,826 |
Raptor Crew Cab 4WD | 1,858 |
Lariat Crew Cab 2WD | 1,882 |
Lariat Super Cab 2WD | 1,882 |
King Ranch Crew Cab 4WD | 1,914 |
Platinum Crew Cab 4WD | 1,914 |
Limited Crew Cab 4WD | 1,968 |
King Ranch Crew Cab 2WD | 1,994 |
Platinum Crew Cab 2WD | 1,994 |
Limited Crew Cab 2WD | 2,086 |
2018 Ford F150 Average Rate | $1,798 |
2018 Ford Expedition
$1,912
2018 Ford Expedition Trims | Rate |
---|---|
Max XL 2WD | $1,776 |
Max XL 4WD | 1,776 |
Max XLT 2WD | 1,776 |
Max XLT 4WD | 1,830 |
XL 2WD | 1,842 |
King Ranch 4WD | 1,858 |
King Ranch 2WD | 1,896 |
XL 4WD | 1,896 |
XLT 2WD | 1,896 |
XLT 4WD | 1,896 |
Max Limited 2WD | 1,902 |
Max Limited 4WD | 1,902 |
Limited 2WD | 1,968 |
Max Platinum 2WD | 1,996 |
Max Platinum 4WD | 1,996 |
Limited 4WD | 2,008 |
Platinum 2WD | 2,062 |
Platinum 4WD | 2,120 |
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.

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
2017 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 4WD | $1,506 |
XL Regular Cab 2WD | 1,534 |
XL Super Cab 4WD | 1,578 |
XLT Regular Cab 4WD | 1,578 |
XL Crew Cab 4WD | 1,630 |
XLT Super Cab 4WD | 1,630 |
XL Super Cab 2WD | 1,640 |
XLT Regular Cab 2WD | 1,640 |
Lariat Super Cab 4WD | 1,682 |
XLT Crew Cab 4WD | 1,682 |
XL Crew Cab 2WD | 1,710 |
XLT Super Cab 2WD | 1,710 |
Lariat Crew Cab 4WD | 1,736 |
SVT Super Cab Raptor 4WD | 1,736 |
XLT Crew Cab 2WD | 1,762 |
Lariat King Ranch 4WD | 1,788 |
SVT Crew Cab Raptor 4WD | 1,788 |
Lariat Crew Cab 2WD | 1,814 |
Lariat Super Cab 2WD | 1,814 |
Lariat Crew Cab Platinum Edition 4WD | 1,840 |
Limited Crew Cab 4WD | 1,892 |
Lariat Crew Cab Platinum Edition 2WD | 1,920 |
Lariat King Ranch 2WD | 1,920 |
Limited Crew Cab 2WD | 1,972 |
2017 Ford F150 Average Rate | $1,726 |
2017 Ford Expedition
$1,896
2017 Ford Expedition Trims | Rate |
---|---|
XL 2WD | $1,720 |
XL 4WD | 1,720 |
XLT 2WD | 1,772 |
XLT 4WD | 1,772 |
EL XL 2WD | 1,814 |
EL XL 4WD | 1,868 |
EL XLT 2WD | 1,868 |
King Ranch 2WD | 1,876 |
Limited 2WD | 1,876 |
Limited 4WD | 1,876 |
King Ranch 4WD | 1,892 |
Platinum 2WD | 1,892 |
EL XLT 4WD | 1,920 |
Platinum 4WD | 1,930 |
EL Limited 2WD | 1,972 |
EL King Ranch 2WD | 2,008 |
EL Limited 4WD | 2,008 |
EL King Ranch 4WD | 2,062 |
EL Platinum 2WD | 2,062 |
EL Platinum 4WD | 2,062 |
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.

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
2016 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 4WD | $1,458 |
XL Regular Cab 2WD | 1,476 |
XL Super Cab 4WD | 1,522 |
XLT Regular Cab 4WD | 1,522 |
XL Crew Cab 4WD | 1,570 |
XLT Super Cab 4WD | 1,570 |
XL Crew Cab 2WD | 1,574 |
XL Super Cab 2WD | 1,574 |
XLT Regular Cab 2WD | 1,574 |
Lariat Super Cab 4WD | 1,618 |
XLT Crew Cab 4WD | 1,618 |
XLT Super Cab 2WD | 1,636 |
Lariat Crew Cab 4WD | 1,668 |
Lariat Super Cab 2WD | 1,686 |
XLT Crew Cab 2WD | 1,686 |
Lariat King Ranch 4WD | 1,714 |
Lariat Crew Cab 2WD | 1,734 |
Lariat Crew Cab Platinum Edition 4WD | 1,764 |
Lariat King Ranch 2WD | 1,782 |
Limited Crew Cab 4WD | 1,812 |
Lariat Crew Cab Platinum Edition 2WD | 1,830 |
Limited Crew Cab 2WD | 1,880 |
2016 Ford F150 Average Rate | $1,646 |
2016 Ford Expedition
$1,854
2016 Ford Expedition Trims | Rate |
---|---|
XL 2WD | $1,702 |
XL 4WD | 1,702 |
XLT 2WD | 1,748 |
XLT 4WD | 1,748 |
EL XL 2WD | 1,782 |
Limited 2WD | 1,798 |
EL XL 4WD | 1,830 |
EL XLT 2WD | 1,830 |
King Ranch 2WD | 1,846 |
Limited 4WD | 1,846 |
Platinum 2WD | 1,846 |
King Ranch 4WD | 1,862 |
Platinum 4WD | 1,862 |
EL XLT 4WD | 1,880 |
EL Limited 2WD | 1,928 |
EL King Ranch 2WD | 1,960 |
EL King Ranch 4WD | 1,960 |
EL Limited 4WD | 1,960 |
EL Platinum 2WD | 1,960 |
EL Platinum 4WD | 2,008 |
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.

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
2015 Ford F150 Trims | Rate |
---|---|
XL Regular Cab 2WD | $1,456 |
XL Super Cab 2WD | 1,532 |
XL Regular Cab 4WD | 1,562 |
XL Super Cab 4WD | 1,562 |
XL Crew Cab 2WD | 1,576 |
XLT Regular Cab 2WD | 1,576 |
XL Crew Cab 4WD | 1,620 |
XLT Regular Cab 4WD | 1,620 |
XLT Crew Cab 2WD | 1,634 |
XLT Super Cab 2WD | 1,634 |
XLT Crew Cab 4WD | 1,664 |
XLT Super Cab 4WD | 1,664 |
Lariat Super Cab 2WD | 1,680 |
Lariat Crew Cab 4WD | 1,710 |
Lariat Super Cab 4WD | 1,710 |
Lariat Crew Cab 2WD | 1,724 |
Lariat King Ranch 2WD | 1,768 |
Lariat Crew Cab Platinum Edition 4WD | 1,798 |
Lariat King Ranch 4WD | 1,798 |
Lariat Crew Cab Platinum Edition 2WD | 1,812 |
2015 Ford F150 Average Rate | $1,654 |
2015 Ford Expedition
$1,584
2015 Ford Expedition Trims | Rate |
---|---|
EL XL 2WD | $1,454 |
XL 2WD | 1,490 |
EL XL 4WD | 1,498 |
EL XLT 2WD | 1,498 |
EL XLT 4WD | 1,498 |
XL 4WD | 1,534 |
XLT 2WD | 1,534 |
XLT 4WD | 1,578 |
EL King Ranch 2WD | 1,586 |
EL Limited 2WD | 1,586 |
EL Limited 4WD | 1,586 |
Limited 2WD | 1,622 |
EL King Ranch 4WD | 1,630 |
EL Platinum 2WD | 1,630 |
EL Platinum 4WD | 1,630 |
King Ranch 2WD | 1,666 |
King Ranch 4WD | 1,666 |
Limited 4WD | 1,666 |
Platinum 2WD | 1,666 |
Platinum 4WD | 1,666 |
2015 Ford Expedition Average Rate | $1,584 |