Ford Expedition Insurance – 2022 Rates and Cost Comparisons

How much does Ford Expedition insurance cost? We analyze rates from the XL STX trim level up to the loaded Platinum MAX 4WD model to see how car insurance prices compare to other full-size SUVs.

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How much does Ford Expedition insurance cost?

Ford Expedition car insurance costs an average of $1,622 per year for full coverage, or $135 if paid each month. With the average large SUV costing $1,720 a year to insure, the Ford Expedition hits this number very closely.

The following chart demonstrates average car insurance rates on a 2022 Ford Expedition using an assortment of different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Ford Expedition with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ford Expedition trim levels.Data last updated on September 13, 2022
Ford Expedition Insurance Cost Summary
Ford Expedition Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,704$309
Safe Driver Age 20$3,242$270
At-fault Accidents Age 40$2,286$191
Low Deductibles Age 40$2,146$179
Safe Driver Age 30$1,718$143
Safe Driver Age 40$1,622$135
Safe Driver Age 50$1,478$123
Safe Driver Age 60$1,452$121
High Deductibles Age 40$1,356$113
Discount Rate Age 40$1,346$112

To give you a better idea of how much Expedition insurance rates can vary, think about the fact that a liability-only policy for a Ford Expedition in the cheaper areas of Wisconsin or Indiana can be as low as $232 a year.

For an identical vehicle, a teenager with a couple of driving violations and maybe an accident or two in certain areas in New York City could total as much as $14,812 a year for a policy that provides full coverage.

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 $49 and $159 on your Ford Expedition insurance bill, depending on your age.
  • Insuring teenagers can be very expensive. Average rates for full coverage Expedition insurance costs $5,762 per year for a 16-year-old driver, $5,412 per year for a 17-year-old driver, and $5,066 per year for a 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 $266 per year for a 40-year-old driver and $526 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 $280 per year for a 40-year-old driver and $556 per year for a 20-year-old driver.
  • More policy discounts means 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 many other policy discounts which could save the average driver as much as $276 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 2022 Ford Expedition between a 40-year-old driver ($1,622 per year) and a 20-year-old driver ($3,242 per year) is $1,620, or a savings of 50%.
  • Bring up your credit score to save money. Drivers who maintain a credit score over 800 could see savings of $255 per year when compared to a credit rating of 670-739. Conversely, a below average credit rating could cost around $295 more per year.

What is the cheapest Ford Expedition insurance?

With Ford Expedition auto insurance cost ranging from $1,452 to $1,774 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 $1,486 per year.

Drivers should anticipate paying around $121 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 $1,774 per year. Those trims will cost an extra $322 per year over the cheapest XLT MAX model.

The table below breaks out average Ford Expedition car insurance cost by trim level for the 2022 model year for annual and semi-annual policy terms.

2022 Ford Expedition Insurance Cost by Trim Level
Ford Expedition Trim Level Annual Policy 6-month Policy Per Month
XLT MAX$1,452$726$121
XLT MAX 4WD$1,486$743$124
XL STX$1,532$766$128
Limited MAX$1,534$767$128
Limited MAX 4WD$1,558$779$130
XL STX 4WD$1,570$785$131
XLT$1,578$789$132
King Ranch MAX$1,612$806$134
XLT 4WD$1,614$807$135
Platinum MAX$1,616$808$135
King Ranch MAX 4WD$1,618$809$135
Platinum MAX 4WD$1,634$817$136
Limited$1,670$835$139
Limited 4WD$1,692$846$141
King Ranch$1,746$873$146
Platinum$1,756$878$146
King Ranch 4WD$1,766$883$147
Platinum 4WD$1,774$887$148

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ford Expedition, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Ford Expedition Insurance Cost by Trim Level

How does Expedition insurance cost rank?

The Ford Expedition ranks #4 out of nine total comparison vehicles in the large SUV class. The Expedition costs an average of $1,622 per year for full coverage insurance and the class average is $1,720 per year.

Expedition insurance costs $90 more per year than the Chevrolet Tahoe, $72 less than the GMC Yukon, $44 more than the Chevrolet Suburban, and $68 less than the Nissan Armada. The full comparison is shown in the chart below.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Ford Expedition, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford Expedition trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Ford Expedition vs Large SUVs Insurance Cost Comparison
Ford Expedition Insurance Cost Compared to All Large SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Tahoe$1,532-$90
2Chevrolet Suburban$1,578-$44
3Toyota Sequoia$1,586-$36
4Ford Expedition$1,622--
5Nissan Armada$1,690$68
6GMC Yukon$1,694$72
7Jeep Wagoneer$1,820$198
8GMC Hummer EV$1,928$306
9Jeep Grand Wagoneer$2,030$408

With an average MSRP of $66,302, the full-size non-luxury SUV models that are most similar in price to the Ford Expedition are the Chevrolet Suburban, GMC Yukon, Chevrolet Tahoe, and Toyota Sequoia.

The list below details how each of those models compares to the Expedition both for purchase price and the average cost to insure.

  • Ford Expedition vs. Chevrolet Suburban – The 2022 Ford Expedition has an average MSRP that is $998 more expensive than the Chevrolet Suburban ($66,302 versus $65,304). Anticipate paying around $44 less each year for full-coverage insurance on the Chevrolet Suburban compared to an Expedition.
  • Ford Expedition vs. GMC Yukon – The average MSRP for a 2022 Ford Expedition is $1,200 more expensive than the GMC Yukon, at $66,302 compared to $65,102. Full-coverage insurance for the GMC Yukon costs an average of $72 more per year than the Ford Expedition.
  • Ford Expedition vs. Chevrolet Tahoe – The average MSRP for a 2022 Ford Expedition is $3,698 more expensive than the Chevrolet Tahoe, at $66,302 compared to $62,604. The cost to insure a Ford Expedition compared to the Chevrolet Tahoe is $90 more annually on average.
  • Ford Expedition vs. Toyota Sequoia – The 2022 Toyota Sequoia has an average MSRP of $60,139 ($50,500 to $69,775), which is $6,163 cheaper than the average sticker price for the Expedition. Insuring a 2022 Ford Expedition compared to the Toyota Sequoia costs an average of $36 more annually.

Will an older Expedition cost less to insure?

Insuring a 2013 Expedition in place of a 2022 model will save around $480 per year. Even a newer 2019 model will save an estimated $150 per year.

The table below illustrates average Ford Expedition insurance rates for the 2013 to 2022 model years. Average prices range from the cheapest rate of $1,142 for a 2013 Ford Expedition to the highest rate of $1,622 for a 2022 model.

Ford Expedition Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Ford Expedition$1,622$811$135
2021 Ford Expedition$1,614$807$135
2020 Ford Expedition$1,582$791$132
2019 Ford Expedition$1,472$736$123
2018 Ford Expedition$1,420$710$118
2017 Ford Expedition$1,430$715$119
2016 Ford Expedition$1,422$711$119
2015 Ford Expedition$1,242$621$104
2014 Ford Expedition$1,214$607$101
2013 Ford Expedition$1,142$571$95

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Ford Expedition Insurance Cost by Model Year

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 starts to exceed the benefits. Deleting full coverage on an older Ford Expedition may save you $650 annually, depending on the deductibles and the age of the driver.