- Ford Expedition insurance costs an average of $2,524 per year or around $210 per month, depending on the trim level.
- The cheapest Expedition to insure is the XLT MAX trim level at an estimated $2,282 per year. The most expensive is the Platinum 4WD at $2,740 annually.
- When compared to other large SUVs, 2024 Ford Expedition insurance costs close to the average rate for the entire segment.
- Choosing to insure a used Ford Expedition could save $1,036 or more each year, depending on the age of the vehicle.
How much does Ford Expedition insurance cost?
Ford Expedition car insurance costs an average of $2,524 per year for full coverage, or $210 if paid each month. With the average large SUV costing $2,587 a year to insure, the Ford Expedition ranks fifth out of nine models in the segment.
The graphic below demonstrates average car insurance rates for a 2024 Ford Expedition based on driver risk profile and age.
As demonstrated in the infographic above, the highest insurance rates for an Expedition will be for young drivers, especially teenagers.
High-risk drivers, such as those with DUIs or reckless driving convictions, will also pay high rates to insure any vehicle, not just an Expedition.
Safe drivers enjoy moderate rates, and if those drivers can earn policy discounts like multi-policy (bundling), multi-vehicle or claim-free status, they can bring rates down even farther.
If the state you live in allows credit to be used as a rating factor (some don’t), having good or even excellent credit can cut your bill substantially.
Some additional insights about Expedition insurance rates include:
- Your employer could lower your rates. The vast majority of auto insurance providers offer policy discounts for earning a living in occupations like college professors, high school and elementary teachers, firefighters, members of the military, and others. If you can earn this discount, you could potentially save between $76 and $228 on your Ford Expedition insurance bill, depending on your age.
- Insuring teenagers can be very expensive. Average rates for full coverage Expedition insurance costs $8,841 per year for a 16-year-old driver, $8,607 per year for a 17-year-old driver, and $7,792 per year for an 18-year-old driver.
- Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $428 per year for a 40-year-old driver and $836 per year for a 20-year-old driver.
- Choosing a low deductible may not make good financial sense. Lowering your policy deductibles from $500 to $250 could cost an additional $446 per year for a 40-year-old driver and $886 per year for a 20-year-old driver.
- More policy discounts mean cheap Ford Expedition insurance rates. Discounts may be available if the insureds are away-from-home students, work in certain occupations, are good students, insure multiple vehicles on the same policy, are loyal customers, or other policy discounts which could save the average driver as much as $424 per year on the cost of insuring a Ford Expedition.
- The older you get, the cheaper insurance rates become. The difference in insurance cost for a 2024 Ford Expedition between a 40-year-old driver ($2,524 per year) and a 20-year-old driver ($5,064 per year) is $2,540, or a savings of 66.9%.
- Bring up your credit score to save money. Drivers who maintain a credit score over 800 could see savings of $396 per year when compared to a credit rating of 670-739. Conversely, a below-average credit rating could cost around $459 more per year.
What is the cheapest Ford Expedition insurance?
With Ford Expedition auto insurance cost ranging from $2,282 to $2,740 per year for an average driver, the lowest-cost model to insure is the XLT MAX. The next cheapest trim level to insure is the XLT MAX 4WD at $2,332 per year.
Drivers should anticipate paying around $190 per month for a policy with full coverage, but this amount can vary based on a lot of factors like your age, driving record, where you live, and in some states, your credit history.
The priciest trim levels of Ford Expedition to insure are the Platinum 4WD and the King Ranch 4WD both at $2,740 per year. Those trims will cost an extra $458 per year over the cheapest XLT MAX model.
The table below breaks out average Ford Expedition car insurance cost by trim level for the 2024 model year for annual and semi-annual policy terms.
| 2024 Ford Expedition Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| XLT MAX | $2,282 | $190 |
| XLT MAX 4WD | $2,332 | $194 |
| XL STX | $2,374 | $198 |
| Limited MAX | $2,402 | $200 |
| XL STX 4WD | $2,410 | $201 |
| Limited MAX 4WD | $2,436 | $203 |
| XLT | $2,446 | $204 |
| XLT 4WD | $2,494 | $208 |
| King Ranch MAX | $2,508 | $209 |
| Platinum MAX | $2,528 | $211 |
| King Ranch MAX 4WD | $2,536 | $211 |
| Platinum MAX 4WD | $2,572 | $214 |
| Limited | $2,578 | $215 |
| Limited 4WD | $2,614 | $218 |
| Timerline 4WD | $2,622 | $219 |
| King Ranch | $2,692 | $224 |
| Platinum | $2,712 | $226 |
| King Ranch 4WD | $2,720 | $227 |
| Platinum 4WD | $2,740 | $228 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025
How does Expedition insurance cost rank?
The Ford Expedition ranks fifth out of nine total comparison vehicles in the large SUV class. The Expedition costs an average of $2,524 per year for full coverage insurance and the class average is $2,587 per year.
Expedition insurance costs $326 more per year than the Chevrolet Tahoe, $2 more than the GMC Yukon, $200 more than the Chevrolet Suburban, and $96 more than the Nissan Armada. The full comparison is shown in the chart below.
With an average MSRP of $72,840, the full-size non-luxury SUV models that are most similar in price to the Ford Expedition are the Toyota Sequoia, GMC Yukon, Jeep Wagoneer, and Chevrolet Suburban.
The list below details how each of those models compares to the Expedition both for the purchase price and the average cost to insure.
- Ford Expedition vs. Toyota Sequoia – The 2024 Ford Expedition has an average MSRP that is $654 more expensive than the Toyota Sequoia ($72,840 versus $72,186). Anticipate paying around $406 more each year for full-coverage insurance on the Toyota Sequoia compared to an Expedition.
- Ford Expedition vs. GMC Yukon – The average MSRP for a 2024 Ford Expedition is $1,039 cheaper than the GMC Yukon, at $72,840 compared to $73,879. Full-coverage insurance for the GMC Yukon costs an average of $2 less per year than the Ford Expedition.
- Ford Expedition vs. Jeep Wagoneer – The average MSRP for a 2024 Ford Expedition is $2,363 cheaper than the Jeep Wagoneer, at $72,840 compared to $75,203. The cost to insure a Ford Expedition compared to the Jeep Wagoneer is $388 less annually on average.
- Ford Expedition vs. Chevrolet Suburban – The 2024 Chevrolet Suburban has an average MSRP of $69,768 ($59,095 to $81,245), which is $3,072 cheaper than the average sticker price for the Expedition. Insuring a 2024 Ford Expedition compared to the Chevrolet Suburban costs an average of $200 more annually.
Will an older Expedition cost less to insure?
Insuring a 2013 Expedition in place of a 2024 model will save around $1,036 per year. Even a newer 2019 model will save an estimated $504 per year.
The table below illustrates average Ford Expedition insurance rates for the 2013 to 2024 model years. Average prices range from the cheapest rate of $1,488 for a 2013 Ford Expedition to the highest rate of $2,524 for a 2024 model.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Ford Expedition | $2,524 | $210 |
| 2023 Ford Expedition | $2,346 | $196 |
| 2022 Ford Expedition | $2,272 | $189 |
| 2021 Ford Expedition | $2,272 | $189 |
| 2020 Ford Expedition | $2,204 | $184 |
| 2019 Ford Expedition | $2,020 | $168 |
| 2018 Ford Expedition | $1,912 | $159 |
| 2017 Ford Expedition | $1,896 | $158 |
| 2016 Ford Expedition | $1,854 | $155 |
| 2015 Ford Expedition | $1,584 | $132 |
| 2014 Ford Expedition | $1,570 | $131 |
| 2013 Ford Expedition | $1,488 | $124 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Ford Expedition trim levels for each model year. Updated June 26, 2025
At some point as the vehicle gets older, you will have to make the decision to eliminate physical damage coverage (comprehensive and collision) from an insurance policy.
As a Ford Expedition depreciates over time, the costs required to keep physical damage insurance start to exceed the benefits. Deleting full coverage on an older Ford Expedition may save you $876 annually, depending on the deductibles and the age of the driver.