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
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.
Rates vary by model year and insurer. GEICO is cheapest for the Ford Expedition at $60 a month for minimum coverage and $130 for full. UAIC charges the most for minimum at $145 and AIG the most for full at $298.
Minimum coverage varies by more than $85 between insurers. Full coverage varies by more than $168. Each company calculates model-specific risk differently, which affects your final rate.
| 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?
Among 256 SUVs, the Ford Expedition ranks 58th for insurance affordability. It's a few dollars a month more than a Lincoln MKX and a few less than a Volkswagen Tiguan. Across all 827 vehicles in MoneyGeek's database, the Expedition ranks 258th, which is in the more expensive half overall. The Isuzu Amigo is the cheapest SUV to insure. The Audi SQ8 e-tron is the most expensive.
| 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 repairs average $1,189 a year, and it's fourth most expensive among 35 Ford models. Higher repair costs raise the insurer's exposure on any claim, which affects premiums.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 400 to 440 depending on trim. Higher-performance variants cost more to insure because more power raises claim risk.
- Driver Profile: Most Expedition drivers are 35 to 50 with higher incomes, a profile that typically gets lower rates. The Expedition's performance reputation can draw higher-risk drivers, which insurers price in 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
- 1Choose the right coverage
Coverage needs depend on how you own the car.
Own it outright (lower cost):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research costs and cheap companies
Check average auto insurance costs for SUVs before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau records and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Check discounts you qualify for
Check every car insurance discount before buying. Ford Expedition owners commonly qualify for safety features discounts, good driver discounts, multi-vehicle discounts, bundling discounts and anti-theft device discounts.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving and lower premiums for safe habits. Savings reach up to 30% for the best-performing drivers.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices. Annual comparisons can save up to 24%, so set a reminder at each renewal.
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?
Expensive repairs, a high theft rate and the Expedition's market value all push premiums above average. Your driving record, credit score and coverage level are the biggest factors in your final rate.
How can I lower Ford Expedition insurance costs?
Compare quotes from at least three insurers because Ford Expedition pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle with home insurance and keep your record clean.
How We Determined Ford Expedition Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025.
Who We Based These Rates On
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.