How much is insurance on a Ford Expedition?
A 2024 Ford Expedition runs about $1,730 a year for a typical 45-year-old, $210 less than an average car of the same age, because of fewer injury claims, less damage to others' property, and lower crash-repair losses. Putting a new 16-year-old on a family policy with the Expedition adds about $1,140 a year (#2 of 4 large SUVs we compare).
2024 Ford Expedition (Expedition 2WD), national average
about $1,730 a year (about $145 a month)
Estimated range: $1,250–$2,350. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Expedition drops to about $1,400 (see the table below).
Priced for the 2024 Expedition 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Expedition's rank is the same in every state.
Why the Ford Expedition costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Expedition 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 92 for crash repairs, 97 for non-crash damage, 71 for damage to others' property, and 60 for injury claims.
- Crash repairs (collision)fixing this car after a crashAverage8% better than average3rd best of the 4 large SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage3% better than average3rd best of the 4 large SUVs we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average29% better than averagebest of the 4 large SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 40% less often than averagebest of the 4 large SUVs we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Expedition comes out about 7% better than average. We count about half of that difference, so the part of the bill that fixes the car is about 3% less than average: about $920 a year vs $950. On the liability side, damage to others and injury claims combine to about 35% better than average. We count about half, so that part is about 18% less: $810 a year vs $990.
In EPA size classes, the Expedition is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Ford Expedition is benchmarked against large SUVs.
Matched to HLDI series “Ford Expedition 4dr” (HLDI, 2022–24 models).
A used Ford Expedition, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Expedition 2WD (0–3 years old) | about $1,730 | about $810 | +$1,140 | about $4,970 |
 2022 Expedition 2WD (4–7 years old) | about $1,620 | about $810 | +$1,070 | about $4,660 |
 2018 Expedition 2WD (8–12 years old) | about $1,510 | about $820 | +$990 | about $4,320 |
 2013 Expedition 2WD FFV (13 or more years old) | about $1,400 | about $880 | +$920 | about $4,010 |
Our catalog covers the Ford Expedition across model years 2006–2027. Full coverage on a used 2013 Expedition (13 or more years old) runs about $1,400 a year, $340 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Ford Expedition trims, full coverage goes from about $1,730 a year on the Expedition 2WD to about $1,850 on the Expedition Timberline AWD, because HLDI's loss results differ by body, drive, or powertrain.
- Expedition 2WD: about $1,730
- Expedition 4WD; Expedition Timberline AWD: about $1,850
On a policy of their own with a 2024 Ford Expedition, a 22–25-year-old pays about $2,250 a year ($520 more than a 45-year-old), a 26–39-year-old about $1,920, and a driver 65 and older about $1,820.
Adding a 16-year-old with a Ford Expedition
Because the Ford Expedition starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,140 a year ($95 a month), $140 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,970 a year, about $3,830 more than sharing the family policy.
For adding a teen driver, the Ford Expedition ranks 12th cheapest out of all 121 models we track. Stepping down to a used 2013 Expedition (13 or more years old) brings the teen add-on to about $920 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar large SUVs
Among these 4 large SUVs, the Ford Expedition is the 2nd least expensive to insure. Right next to it are the GMC Yukon (about $1,730 a year) and the Chevrolet Tahoe (about $1,830).
2024 GMC Yukonabout $1,730 (about the same)- 2024 Ford Expeditionabout $1,730 (this car)
2024 Chevrolet Tahoeabout $1,830 ($100 more)
2024 Dodge Durangoabout $2,060 ($320 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Ford Expedition costs in your state
In six sample states, a 2024 Ford Expedition runs from about $1,200 a year in Wisconsin through New Hampshire, Tennessee, Pennsylvania and Delaware to about $2,280 in New York:
- Wisconsinabout $1,200/yr · +$800 teen
- New Hampshireabout $1,240/yr · +$820 teen
- Tennesseeabout $1,460/yr · +$960 teen
- Pennsylvaniaabout $1,530/yr · +$1,010 teen
- Delawareabout $1,890/yr · +$1,250 teen
- New Yorkabout $2,280/yr · +$1,510 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.