Ford Expedition Insurance

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Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewed by Candace Jenkins
Reviewed by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.


The Ford Expedition is in high demand with its modern look and advanced safety features. Ford's Expedition is labeled as a convenient design and quiet with a spacious interior.

You'll need the right car insurance for your Ford Expedition, and an independent insurance agent will assist in finding a policy to suit your needs. Not sure where to begin? 

You can use a find-an-agent tool here that matches you with a local independent insurance agent who can find the best coverage for the lowest price.

What Kind of Insurance Do You Need for Your Ford Expedition? 

There are many options when it comes to insuring your Ford Expedition. Laws vary from one state to the next, with some mandatory and some optional coverages. To be well-protected, you should consult your independent insurance agent.

Most states mandate the following coverage: 

Bodily Injury Liability: Bodily injury liability insurance will provide coverage when an injury occurs resulting from a car accident. This insurance will provide coverage for your passengers, pedestrians, or other drivers. It may even cover lost wages due to a related injury.

Property Damage Liability: Your property damage liability policy covers damage to another person's property by you or a permitted driver. This coverage will replace or repair the building, vehicle, or structure. Property damage liability will not cover damage to your car, however. 

Many states require this coverage: 

Medical Payments/Personal Injury Protection: If you are in an accident and you or your passengers are injured, medical payments (med pay) or personal injury protection (PIP) coverage pays for necessary medical treatment. PIP insurance is available in "no-fault" states and may be required in some areas. You'll have the opportunity to purchase med pay coverage everywhere else. 

Uninsured and Underinsured Motorist Coverage: Uninsured and underinsured motorist (UM/UIM) coverage pays for damage to your vehicle if you are in an accident with a driver who's improperly insured. Even in states where drivers are required to carry car insurance, many drivers fail to do so. UM/UIM insurance is key to being adequately insured.

Optional Coverage: 

Collision: Collision Insurance will pay damage to other people's property on your behalf if you are responsible for causing an accident. Without collision coverage, you'd be liable for any out-of-pocket expenses.

Comprehensive: Your Ford Expedition is at risk, even parked in your driveway. Due to natural disasters, storms, and other incidents out of your control, comprehensive coverage is good to have. Comprehensive insurance will cover the damage to your vehicle even if a deer jumps out in front of your car. 

Glass Coverage: Your Ford Expedition's windshield could cost close to $700. Instead of paying that expense out of pocket, you could have your windshield replaced for free with zero-deductible glass coverage. This policy add-on typically costs just a few dollars each month. 

Gap Insurance: Gap coverage is needed if you finance or lease your Ford Expedition. This coverage pays the difference between the car's worth and the outstanding amount owed on the loan or lease. If you are in an accident and your vehicle is a total loss, gap insurance will be essential to have. Without it, you'll be responsible for paying the difference yourself. 


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What Affects the Cost of Insurance for Your Ford Expedition

Several factors go into calculating insurance premiums for a Ford Expedition. It's not just about the car itself but a variety of other facets. Young drivers will pay higher car insurance rates because they are more likely to be involved in an accident. A teen Ford Expedition driver pays an average of $4,716 per year for insurance, with the average lowest price being $760 annually. A spotty driving record will also typically pay higher insurance rates, making you a higher risk than other drivers. A high-risk driver pays an average of $2,826 per year for Ford Expedition insurance. 

Average Cost of Ford Insurance by Model

The year, make, and model of Ford you drive also affects your insurance premiums. The below estimates assume that the driver has a clean motor vehicle report and is a 40-year-old male. The policies also reflect a $500 comprehensive and collision deductible, UM/UIM coverage, and minimum liability limits. Rates are averaged across all 50 states. 

Average annual insurance premium for a new Ford by model
Ford C-Max Energi $1,478
Ford C-Max Hybrid $1,432
Ford EcoSport $1,310
Ford Edge $1,296
Ford Escape $1,170
Ford Escape Hybrid $1,478
Ford Expedition $1,440
Ford Explorer $1,308
Ford F-150 $1,322
Ford F-250 Super Duty $1,618
Ford F-350 Super Duty $1,682
Ford Fiesta $1,222
Ford Flex $1,486
Ford Focus $1,358
Ford Focus RS $1,580
Ford Focus ST $1,400
Ford Fusion $1,492
Ford Fusion Energi $1,492
Ford Fusion Hybrid $1,644
Ford Mustang $1,666
Ford Ranger $1,254
Ford Taurus $1,532

The Safety of Your Ford Expedition

The safety features of your vehicle will earn you better insurance rates. Carriers will award safe vehicle discounts if the manufacturer has taken advanced safety measures. Fortunately, Ford goes to great lengths to include a variety of safety features across its lineup of cars. 

With multiple safety features coming standard in the new Ford Expedition, the Insurance Institute of Highway Safety give this Ford model high marks. It received a 5-star overall rating from the National Highway Traffic Safety Administration.

How Location Affects Your Ford Expedition Insurance

Living in certain states could earn you a lower car insurance premium, while your rates could be much higher in other areas. 

Average yearly auto insurance rates are the least expensive in these states:
Ohio $1,099
Indiana $1,121
Washington $1,280
Arizona $1,532
Illinois $1,768
Average yearly auto insurance rates are most expensive in these states:
California $2,253
New York $2,082
Texas $2,067
Florida $1,909
Pennsylvania $1,758

Average Cost to Insure a Ford Expedition

The average policy rate in the US for a Ford Expedition is $1,320 annually. Your premiums will vary depending on your driving record, age, location, and the coverages.

Here's how Ford Expedition rates change for younger vs. older drivers:

Ford Expedition rates by age for full coverage with a $500 deductible
Age Premium
16 $4,716
20 $3,000
30 $1,386
40 $1,320
50 $1,202
60 $1,178

Top Independent Insurance Carriers That Insure the Ford Expedition

Getting the right coverage for your Ford Expedition is essential, and so is the carrier that provides that protection. Your insurance company should be trustworthy and responsive to your needs. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a good recommendation: 

  1. Progressive
  2. Safeco
  3. Travelers

Get a Ford Expedition Quote 

Reach out to a agent today to get a quote for insurance on your Ford Expedition. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.

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