The Ford Expedition is a full-size SUV that first debuted in the U.S. with the 1997 model year. The Expedition is still going strong today, with the 2026 model featuring numerous tech and driver-assist feature upgrades. No matter what kind of Ford Expedition you drive, it needs to be protected with the right car insurance.
When it's time to find the best Ford Expedition insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Ford Expedition by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Expedition Car Insurance
Ford Expedition insurance costs an average of $1,940 per year, or approximately $162 per month, for full coverage in 2026.
Progressive, USAA, and Nationwide are the cheapest carriers for model-year 2025 Ford Expedition insurance this year.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Expedition insurance.
Ford Expedition insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $163.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Expedition model.
What Is Ford Expedition Insurance?
Ford Expedition insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a full-size SUV, the Expedition may require additional coverage beyond that needed by standard sedans. However, the Expedition's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford Expedition drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Ford Expedition:
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
A local independent insurance agent can help you satisfy your state's requirements for minimum auto insurance for your Ford Expedition. Having the required coverage helps you avoid state penalties, including fines.
How Much Does Ford Expedition Insurance Cost?
The average cost of car insurance for a Ford Expedition is $1,940 per year, or approximately $162 per month, for full coverage. Minimum coverage for a Ford Expedition costs an average of $1,000 annually, or approximately $83 monthly.
However, several factors can influence the cost of Ford insurance, including:
- The specific type of Expedition you drive
- Your location
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Expedition full coverage insurance or a basic Ford Expedition liability insurance policy.
Is the Ford Expedition Expensive to Insure?
No, the Ford Expedition isn't expensive to insure on average when compared to other Ford vehicles and cars in general. The Ford Expedition's average monthly full coverage rate of $162 is slightly cheaper than the average for all Fords and all other vehicles.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford Expedition | $162 |
| All Fords | $163 |
| All Cars | $175 |
Average Ford Expedition Insurance Rates Compared to Similar Vehicles
The Ford Expedition's average monthly insurance rates are quite comparable with those of many similar vehicles, including the Buick Enclave, the Subaru Crosstrek, and the Ford Explorer. The table below compares the Expedition's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Alfa Romeo Tonale | $121 |
| Volkswagen Touareg | $122 |
| Lincoln MKX | $122 |
| Buick Enclave | $122 |
| Ford Expedition | $123 |
| Subaru Crosstrek | $123 |
| Volkswagen Tiguan | $123 |
| Ford Explorer | $123 |
| Nissan Armada | $123 |
Ford Expedition Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Expedition and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Ford Expedition* | $1,732 |
| 2025 Ford Expedition | $2,428 |
| 2023 Ford Expedition | $2,488 |
| 2022 Ford Expedition | $860 |
| 2021 Ford Expedition | $924 |
| 2020 Ford Expedition | $943 |
| 2019 Ford Expedition | $967 |
| 2018 Ford Expedition | $1,175 |
| 2017 Ford Expedition | $914 |
| 2016 Ford Expedition | $977 |
| 2015 Ford Expedition | $763 |
| 2014 Ford Expedition | $625 |
| 2013 Ford Expedition | $756 |
| 2012 Ford Expedition | $512 |
| 2011 Ford Expedition | $604 |
| 2010 Ford Expedition | $622 |
*Note: The 2026 Expedition's average monthly rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Ford Expedition Car Insurance Companies for 2026
You can find many different carriers across the U.S. that offer affordable Ford Expedition auto insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2025 Expedition insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,975 |
| USAA | $2,025 |
| Nationwide | $2,119 |
| American Family | $2,210 |
| Erie | $2,736 |
| Allstate | $5,692 |
Ford Expedition Car Insurance Rates by State
Location is one of the biggest factors that goes into calculating car insurance premium rates. Here are some average auto insurance rates for the Ford Expedition by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Expedition Insurance Rates by Trim Level
Your Expedition's specific trim can also impact its auto insurance costs. Here are some average Ford Expedition insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Expedition Insurance Rates by Driver Age and Profile
Other major factors that can affect the cost of car insurance include your age, driving history, and credit. Teens and young drivers pay the most, on average, for Ford Expedition insurance. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, car insurance costs gradually climb through their senior years. Here are some average insurance rates for the Ford Expedition by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $8,124 | $11,975 | $13,928 |
| 20 | $6,274 | $9,228 | $10,790 |
| 25 | $3,651 | $5,360 | $6,333 |
| 30 | $2,866 | $4,192 | $4,886 |
| 35 | $2,655 | $3,966 | $4,592 |
| 40 | $2,606 | $3,811 | $4,381 |
| 45 | $2,525 | $3,676 | $4,258 |
| 55 | $2,275 | $3,422 | $3,934 |
| 65 | $2,395 | $3,559 | $4,153 |
| 75 | $3,039 | $4,454 | $5,212 |
Best Ford Expedition Insurance Discounts: How to Lower Your Ford Expedition Insurance Premiums
Want to save the most money possible on Ford Expedition insurance? Any of the tips below can help you save even more on your Expedition auto insurance premiums:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Ford Expedition insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford Expedition insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Expedition insurance from a trusted carrier near you.
Working with a local independent insurance agent is the best way to get matched to the cheapest, yet quality, Ford Expedition insurance.
An Independent Insurance Agent Can Help You Get the Best Ford Expedition Insurance Quotes
When it's time to find the most affordable Ford Expedition insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Expedition insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Expedition Insurance
How much does Ford Expedition insurance cost per year?
The average annual cost of full coverage for a Ford Expedition is $1,940 per year, or approximately $162 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Expedition insurance premiums?
If you have poor credit, live in a high-theft rate area, or have accidents and other violations on your record, these can all increase the cost of Ford Expedition insurance.
Is the Ford Expedition expensive to insure?
No, the Ford Expedition isn't expensive to insure on average. The Ford Expedition's average monthly insurance costs are lower than those for other Fords and other vehicles in general.
What are the best and cheapest carriers for Ford Expedition insurance in 2026?
We found that Progressive, USAA, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Ford Expedition insurance this year.
Is insurance cheaper for the Ford Expedition than for other Ford vehicles?
Yes, the Ford Expedition's average monthly insurance rate of $162 is slightly cheaper than that for other Ford vehicles, which average $163.
How can I get cheaper Ford Expedition insurance?
Finding cheaper Ford Expedition insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/ford-expedition-car-insurance
https://www.moneygeek.com/insurance/auto/ford-expedition-insurance/
https://www.thezebra.com/auto-insurance/vehicles/ford/expedition/