Newer Ford Expeditions cost more to insure than older models due to higher market values. Monthly premiums range from $124 for minimum coverage for 2025 models down to $90 for an older 2016 Expedition, showing how model year affects insurance costs.
Ford Expedition Insurance Cost
Updated: January 20, 2026
Key Takeaways
Ford Expedition insurance costs an average of $162 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Expedition ranks 58th out of 256 SUVs for insurance affordability, placing it midtier. SUVs cost more to insure than most vehicle types, making the Expedition average compared to typical cars. Read more
Check rates for your Expedition's model year to get accurate insurance costs. Read more
How Much Is Ford Expedition Insurance?
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Costs vary by model year and company. Ford Expedition minimum coverage spans $60 monthly with GEICO to $145 with UAIC, while full coverage goes from $130 monthly with GEICO to $298 with AIG.
Rate variations (more than $85 for minimum coverage and $168 for full coverage) demonstrate why Expedition owners need to shop around. Insurance companies calculate risk differently for each model, which directly impacts your final quote.
| AAA | $94 | $195 |
| AIG | $120 | $298 |
| Allstate | $103 | $198 |
| Amica | $105 | $214 |
| Chubb | $117 | $230 |
| Farmers | $121 | $213 |
| Geico | $60 | $130 |
| Kemper | $87 | $175 |
| Nationwide | $85 | $147 |
| Progressive | $85 | $158 |
| State Farm | $78 | $163 |
| The Hartford | $95 | $162 |
| Travelers | $75 | $138 |
| UAIC | $145 | $183 |
Is Ford Expedition Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Ford Expedition's insurance affordability ranking at 58th place, with 57 more affordable options available. It costs a few dollars more per month than a Lincoln MKX and runs slightly cheaper than a Volkswagen Tiguan. This middle-tier positioning among SUVs shows it's neither the cheapest nor most expensive in its category.
SUVs are generally expensive to insure, and the Expedition's overall ranking of 258th out of 827 total vehicles puts it in the pricier half for insurance costs. The Isuzu Amigo claims the most affordable SUV spot, while the Audi SQ8 e-tron commands the highest premiums in the category.
| Alfa Romeo Tonale | $121 | 55 |
| Volkswagen Tourareg | $122 | 56 |
| Lincoln MKX | $122 | 57 |
| Buick Enclave | $122 | 57 |
| Ford Expedition | $123 | 58 |
| Subaru Crosstrek | $123 | 59 |
| Volkswagen Tiguan | $123 | 59 |
| Ford Explorer | $123 | 60 |
| Nissan Armada | $123 | 61 |
Several factors affect what you'll pay for Ford Expedition insurance:
- Average Repair or Replacement Costs: Ford Expedition maintenance costs average $1,189 annually, ranking as the fourth most expensive Ford model to maintain out of 35 total models, which impacts your insurance premiums.
- Vehicle Trim, Features and Accessories: The Expedition's horsepower ranges from 400 to 440, depending on your trim level, with higher-performance variants commanding substantially higher insurance premiums due to their increased power capabilities and associated risk factors.
- Driver Profile: Most Ford Expedition drivers fall between ages 35 and 50, and while higher income levels often lead to lower insurance rates, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ford Expeditions for young drivers.
Ford Expedition Insurance Cost by State
Car insurance for a Ford Expedition costs as little as $31 per month in Wyoming or as much as $163 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the model itself.
| Alabama | $69 | $131 |
| Alaska | $59 | $126 |
| Arizona | $98 | $183 |
| Arkansas | $69 | $155 |
| California | $82 | $165 |
| Colorado | $80 | $191 |
| Connecticut | $114 | $197 |
| Delaware | $115 | $193 |
| Florida | $106 | $244 |
| Georgia | $126 | $206 |
| Hawaii | $43 | $98 |
| Idaho | $44 | $91 |
| Illinois | $76 | $141 |
| Indiana | $54 | $106 |
| Iowa | $47 | $114 |
| Kansas | $60 | $140 |
| Kentucky | $102 | $173 |
| Louisiana | $163 | $349 |
| Maine | $43 | $90 |
| Maryland | $129 | $219 |
| Massachusetts | $85 | $180 |
| Michigan | $129 | $248 |
| Minnesota | $68 | $141 |
| Mississippi | $74 | $147 |
| Missouri | $98 | $196 |
| Montana | $57 | $137 |
| Nebraska | $61 | $140 |
| Nevada | $146 | $265 |
| New Hampshire | $58 | $103 |
| New Jersey | $136 | $224 |
| New Mexico | $67 | $151 |
| New York | $103 | $185 |
| North Carolina | $69 | $135 |
| North Dakota | $50 | $109 |
| Ohio | $62 | $121 |
| Oklahoma | $77 | $172 |
| Oregon | $99 | $173 |
| Pennsylvania | $72 | $169 |
| Rhode Island | $102 | $183 |
| South Carolina | $83 | $155 |
| South Dakota | $44 | $135 |
| Tennessee | $64 | $130 |
| Texas | $106 | $216 |
| Utah | $90 | $152 |
| Vermont | $37 | $89 |
| Virginia | $79 | $128 |
| Washington | $75 | $139 |
| West Virginia | $72 | $147 |
| Wisconsin | $54 | $118 |
| Wyoming | $31 | $99 |
Ford Expedition Costs by Model Year and Insurance Company
Newer Ford Expedition models cost more to insure than older ones, and your insurance costs will also vary greatly based on driver age. A 35- to 55-year-old driver pays around $197 monthly for full coverage on a 2016 Ford Expedition compared to $279 for a 2025 model. Young drivers in their teens and early twenties have much steeper rates across all model years.
Nationwide consistently offers the lowest rates for newer Ford Expedition models (2020 to 2025), while GEICO has competitive rates across all model years for minimum coverage.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ford Expedition
| Geico | $96 | $211 |
| Nationwide | $100 | $174 |
| National General | $108 | $222 |
| Travelers | $113 | $209 |
| State Farm | $118 | $246 |
| Progressive | $122 | $229 |
| Kemper | $128 | $257 |
| The Hartford | $145 | $248 |
| Allstate | $149 | $288 |
| AAA | $150 | $310 |
| Amica | $164 | $337 |
| AIG | $188 | $474 |
| Chubb | $189 | $377 |
| Farmers | $191 | $337 |
| UAIC | $211 | $269 |
Cost of Car Insurance for 2024 Ford Expedition
| Geico | $89 | $196 |
| Nationwide | $93 | $162 |
| National General | $101 | $207 |
| Travelers | $105 | $195 |
| State Farm | $110 | $229 |
| Progressive | $114 | $213 |
| Kemper | $119 | $240 |
| The Hartford | $135 | $231 |
| Allstate | $139 | $268 |
| AAA | $139 | $289 |
| Amica | $153 | $314 |
| AIG | $175 | $442 |
| Chubb | $176 | $351 |
| Farmers | $178 | $313 |
| UAIC | $197 | $250 |
Cost of Car Insurance for 2023 Ford Expedition
| Geico | $68 | $149 |
| Nationwide | $70 | $123 |
| National General | $76 | $157 |
| Travelers | $80 | $148 |
| State Farm | $83 | $174 |
| Progressive | $86 | $162 |
| Kemper | $90 | $182 |
| The Hartford | $103 | $175 |
| Allstate | $105 | $203 |
| AAA | $106 | $219 |
| Amica | $116 | $238 |
| AIG | $133 | $335 |
| Chubb | $134 | $266 |
| Farmers | $135 | $238 |
| UAIC | $149 | $190 |
Cost of Car Insurance for 2022 Ford Expedition
| Geico | $60 | $131 |
| Nationwide | $62 | $108 |
| National General | $68 | $138 |
| Travelers | $71 | $130 |
| State Farm | $73 | $154 |
| Progressive | $76 | $143 |
| Kemper | $80 | $161 |
| The Hartford | $91 | $155 |
| Allstate | $93 | $180 |
| AAA | $93 | $193 |
| Amica | $103 | $210 |
| AIG | $118 | $296 |
| Chubb | $118 | $235 |
| Farmers | $119 | $210 |
| UAIC | $132 | $168 |
Cost of Car Insurance for 2021 Ford Expedition
| Geico | $51 | $112 |
| Nationwide | $53 | $92 |
| National General | $58 | $118 |
| Travelers | $60 | $111 |
| State Farm | $63 | $131 |
| Progressive | $65 | $122 |
| Kemper | $68 | $137 |
| The Hartford | $77 | $132 |
| Allstate | $79 | $153 |
| AAA | $80 | $165 |
| Amica | $87 | $179 |
| AIG | $100 | $252 |
| Chubb | $101 | $200 |
| Farmers | $102 | $179 |
| UAIC | $112 | $143 |
Cost of Car Insurance for 2020 Ford Expedition
| Geico | $43 | $95 |
| Nationwide | $45 | $78 |
| National General | $49 | $100 |
| Travelers | $51 | $94 |
| State Farm | $53 | $111 |
| Progressive | $55 | $103 |
| Kemper | $57 | $116 |
| The Hartford | $65 | $112 |
| Allstate | $67 | $130 |
| AAA | $67 | $140 |
| Amica | $74 | $152 |
| AIG | $85 | $213 |
| Chubb | $85 | $169 |
| Farmers | $86 | $151 |
| UAIC | $95 | $121 |
Cost of Car Insurance for 2019 Ford Expedition
| Geico | $57 | $125 |
| National General | $69 | $142 |
| Travelers | $73 | $135 |
| Progressive | $79 | $148 |
| State Farm | $84 | $176 |
| Nationwide | $92 | $159 |
| AAA | $100 | $207 |
| Allstate | $105 | $203 |
| The Hartford | $106 | $180 |
| Amica | $107 | $218 |
| Kemper | $109 | $225 |
| Chubb | $125 | $246 |
| AIG | $127 | $320 |
| Farmers | $134 | $239 |
| UAIC | $144 | $180 |
Cost of Car Insurance for 2018 Ford Expedition
| Geico | $55 | $120 |
| National General | $65 | $132 |
| Travelers | $72 | $132 |
| Progressive | $77 | $145 |
| Nationwide | $81 | $141 |
| State Farm | $82 | $170 |
| AAA | $96 | $199 |
| Amica | $100 | $205 |
| Allstate | $100 | $193 |
| The Hartford | $102 | $175 |
| Kemper | $107 | $220 |
| Chubb | $113 | $224 |
| AIG | $120 | $299 |
| Farmers | $131 | $233 |
| UAIC | $135 | $168 |
Cost of Car Insurance for 2017 Ford Expedition
| Geico | $62 | $134 |
| National General | $68 | $140 |
| Travelers | $80 | $147 |
| State Farm | $86 | $179 |
| Kemper | $98 | $199 |
| AAA | $99 | $204 |
| Progressive | $100 | $187 |
| The Hartford | $100 | $171 |
| Nationwide | $105 | $181 |
| Amica | $106 | $218 |
| Allstate | $109 | $210 |
| Chubb | $122 | $241 |
| AIG | $127 | $318 |
| Farmers | $129 | $228 |
| UAIC | $146 | $183 |
Cost of Car Insurance for 2016 Ford Expedition
| Geico | $61 | $131 |
| National General | $68 | $139 |
| Travelers | $80 | $147 |
| Progressive | $89 | $167 |
| State Farm | $93 | $193 |
| AAA | $99 | $206 |
| Kemper | $99 | $201 |
| The Hartford | $100 | $170 |
| Allstate | $105 | $203 |
| Nationwide | $105 | $181 |
| Amica | $106 | $217 |
| Chubb | $128 | $253 |
| Farmers | $130 | $229 |
| AIG | $131 | $330 |
| UAIC | $146 | $183 |
Ford Expedition Insurance Cost by Trim
Ford Expedition insurance costs vary dramatically by trim, with premiums reaching $268 monthly for full coverage on high-performance Max King Ranch variants down to $70 for minimum coverage on basic Max XLT Sport Utility 4D models. Your trim's market value and rarity determine where you'll fall in this range.
| Max Xlt Sport Utility 4d | $70 | $136 |
| Max Xl Sport Utility 4d | $71 | $139 |
| Xls Sport Utility 4d | $75 | $143 |
| Max Limited Sport Utility 4d | $75 | $146 |
| Xl Sport Utility 4d | $75 | $146 |
| Sport Utility 4d | $76 | $145 |
| Xlt Sport Utility 4d | $77 | $149 |
| Xlt Sport Suv 4d | $78 | $150 |
| Eddie Bauer Sport Utility 4d | $79 | $152 |
| Limited Sport Utility 4d | $80 | $155 |
| Max King Ranch Sport Utility 4d | $81 | $159 |
| King Ranch Sport Utility 4d | $82 | $160 |
| Platinum Sport Utility 4d | $83 | $162 |
| Max Platinum Sport Utility 4d | $83 | $163 |
| Xlt Nbx Sport Utility 4d | $84 | $162 |
| Timberline Sport Utility 4d | $90 | $176 |
| Xl | $92 | $180 |
| Xlt Fx4 Off-Road Sport Utility 4d | $96 | $184 |
| Xlt | $97 | $190 |
| Active | $102 | $198 |
| Max Xlt | $102 | $200 |
| Max Active | $107 | $210 |
| Limited | $111 | $216 |
| Max Limited | $115 | $225 |
| Timberline | $116 | $226 |
| Platinum | $126 | $247 |
| Max Platinum | $131 | $256 |
| King Ranch | $132 | $258 |
| Tremor | $133 | $259 |
| Max King Ranch | $137 | $268 |
How to Lower the Cost of Ford Expedition Insurance
We've compiled proven strategies that'll help you find better rates on Ford Expedition insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Ford Expedition. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical costs for Ford Expedition insurance helps you identify genuine savings versus inflated quotes from insurers.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability. Budget options might offer limited coverage or slower service when you need claims handled quickly.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford Expedition owners qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts. Anti-theft device discounts are also common for SUV owners. These reductions can lower your annual premiums when combined effectively.
- 5Consider alternative car insurance types
Ford Expedition owners might benefit from usage-based insurance programs. Options like Progressive Snapshot for safe driving habits or Allstate Drivewise for mileage tracking can deliver premium reductions. These telematics programs monitor your driving patterns and reward safe behaviors with potential savings up to 30% on your policy.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Ford Expedition insurance. Rate changes happen frequently, and loyalty doesn't always guarantee the best pricing for your coverage needs.
Ford Expedition Insurance Cost: Bottom Line
Ford Expedition insurance costs less than average, making it an affordable choice for families. You'll find even better rates by comparing quotes from multiple insurers and claiming available discounts.
Ford Expedition Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Expedition?
Ford Expedition insurance costs average $1,000 annually for state minimum coverage and $1,940 for full coverage. Monthly premiums run approximately $83 for minimum and $162 for comprehensive protection.
What company has the cheapest car insurance for a Ford Expedition?
Geico provides the most affordable minimum coverage for a Ford Expedition at $717 annually. The insurer also offers the best value for full coverage at $1,558 per year.
Are Ford Expeditions expensive to insure?
No, Ford Expedition insurance is not expensive compared to most vehicles. Among SUVs specifically, it places 58th out of 256 models for affordability, making it reasonably priced within its category.
What factors affect insurance costs for Ford Expeditions?
Multiple factors affect Ford Expedition insurance costs. Luxury parts make repairs expensive, while larger SUVs face increased theft rates that concern insurers. The vehicle's high market value also leads to higher premiums. Your personal driving record, credit score and chosen coverage levels impact your final rate.
How can I lower Ford Expedition insurance costs?
Compare quotes from multiple insurers since Ford Expedition costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home insurance, and maintain a clean driving record to secure lower rates.
How We Determined Ford Expedition Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ford Expedition insurance costs.
Who We Based These Rates On
These Ford Expedition rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.