Are Ford Expeditions expensive to insure?

It will depend on your budget and how much coverage you purchase. A full coverage Ford Expedition car insurance policy costs $238 per month on average, while minimum coverage costs $68 monthly. Nationally, full coverage car insurance costs $223 per month and minimum coverage costs $67 per month.

How can I save money on Ford Expedition insurance?

In a pinch, choosing a higher-deductible car insurance policy can lower your premium. If you go this route, you'll need to pay more out of pocket after a claim. However, it may be worthwhile if the savings are substantial.

Do Fords cost a lot to insure?

Generally speaking, Ford is not considered an expensive type of car to insure. However, costs will change depending on the model type and driver.

Car Insurance for Ford Expedition

How much does it cost to insure a Ford Expedition?

Car insurance for a Ford Expedition costs $2,857 per year for full coverage, which is 2,857 than the national average. According to Bankrate's analysis of premium data from Quadrant Information Services, a minimum coverage policy for this full-size SUV costs $817 per year, while the national average cost of minimum coverage is $807 annually.

Insurance companies look at a variety of different factors to calculate your premium, one of which is what kind of car you drive. Zooming in further, an insurance company often considers a vehicle's repair costs, safety features and crash ratings when setting your rate.

$2,857 Avg annual full coverage
insurance premium

$817 Avg annual min coverage
insurance premium

2025 MSRP: From $62,000

Trims available: Active, MAX Active, Platinum, MAX Platinum, Tremor, King Ranch, MAX King Ranch

Repair costs

When a vehicle is more expensive to repair, it's also usually more expensive to insure. This tracks for the Ford Expedition; research from CarEdge shows that, over a 10-year ownership period, Expedition owners pay around $10,300 in maintenance and repairs — more than $2,000 more than other popular SUVs. RepairPal has the estimate slightly lower at around $861 per year — still higher than the national average of $652 annually.

Safety features

In theory, safety features should bring car insurance costs down. After all, they're there to lower the chances of you getting into an accident and filing an insurance claim. However, features with more advanced technology tend to be more expensive and labor-intensive to fix, which in turn can bring insurance costs up. The Ford Expedition comes with a suite of higher-tech safety perks like front and rear parking sensors, a 360-degree camera and anti-lock brakes.

Crash ratings

The Insurance Institute for Highway Safety (IIHS) measures how different cars hold up after accidents to determine their safety. The 2025 Ford Expedition received a mixed report card; it got marginal ratings for some types of accidents. Having an average, or below-average, safety rating can make car insurance more expensive, as drivers are more likely to be injured after an accident.

Cheapest car insurance companies for a Ford Expedition

Our analysis shows that Ford Expedition car insurance could cost you a little more. However, that doesn't mean it's impossible to find a cheap policy. It's tempting to think that all insurance companies are the same; in reality, they vary widely in how they calculate your rate. That's why most insurance experts recommend comparing quotes from a handful of companies to find the one that offers you the best deal for your coverage needs.

How much does it cost to insure my Ford Expedition?

It can be confusing as to where to start, but Bankrate can help. In the table below, our insurance editorial team compiled average Ford Expedition car insurance rates from some of the top auto insurance providers.

2023 Ford Expedition car insurance premiums by carrier


Auto-Owners	Auto-Owners	$1,865	$1,865	- $992	- $992
USAA	USAA	$2,400	$2,400	- $457	- $457
Nationwide	Nationwide	$2,079	$2,079	- $778	- $778
Geico	Geico	$2,729	$2,729	- $128	- $128
AAA	AAA	$3,028	$3,028	+ $171	+ $171

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Ford Expedition

If you have a loan on your vehicle, your financial lender may get a say in how much car insurance you need. Otherwise, it's up to you to decide how much coverage to purchase. You'll need at least your state's minimum-required car insurance, but often, this alone doesn't offer adequate financial protection. With just minimum coverage, your car insurance policy won't be able to help if your vehicle is stolen, sustains weather damage or gets stuck on the side of the road. For those scenarios, you'd need these endorsements:

Roadside assistance: The Expedition has some off-road capabilities, but that doesn't guarantee you won't get stuck. Having roadside assistance can help if you need a tow, run out of fuel or suffer engine failure (among other things).
Collision coverage: If the other driver is at fault for an accident, their insurance policy would pay for your vehicle's repairs. But, if you cause an accident, fixing your car is your responsibility. Collision insurance can help with those repair costs.
Comprehensive coverage: You can file a claim under the comprehensive insurance part of your policy for losses not related to a car accident. These can include vehicle theft, weather damage and hitting an animal.
Gap insurance: Short for guaranteed asset protection, gap insurance can help cover the difference between what you owe on your car loan and the payout you get from your insurance company if your vehicle is rendered a total loss.

How to get a Ford Expedition car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Ford Expedition with other similar cars

Ford Expedition Avg annual full coverage premium $2,857 Read More	Chevrolet Tahoe Avg annual full coverage premium $2,705 See more models	GMC Yukon Avg annual full coverage premium $2,855 See more models
Price (MSRP)
$62,000	$59,000	$67,200
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
Not rated	Not rated	Not rated
Gas mileage
18 mpg	22 mpg	23 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Average	Average

Frequently asked questions

It will depend on your budget and how much coverage you purchase. A full coverage Ford Expedition car insurance policy costs $238 per month on average, while minimum coverage costs $68 monthly. Nationally, full coverage car insurance costs $223 per month and minimum coverage costs $67 per month.
In a pinch, choosing a higher-deductible car insurance policy can lower your premium. If you go this route, you'll need to pay more out of pocket after a claim. However, it may be worthwhile if the savings are substantial.
Generally speaking, Ford is not considered an expensive type of car to insure. However, costs will change depending on the model type and driver.

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.