Ford Expedition XLT 2WD Insurance Rates

The average insurance prices for a Ford Expedition XLT 2WD are $1,280 every 12 months including full coverage. Comprehensive insurance costs around $326 each year, collision costs $508, and liability costs $310. A liability-only policy costs as little as $370 a year, with high-risk insurance costing $2,736 or more. Teenage drivers cost the most to insure at $4,576 a year or more.

Annual premium for full coverage: $1,280

Policy rates for individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Expedition Trim Level

These price differences highlight why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Ford Expedition XLT 2WD also range considerably based on liability limits and deductibles, your driving characteristics, and the actual cash value of your Expedition.

Using high physical damage deductibles could save up to $560 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Ford Expedition XLT 2WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied.

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The chart above shows average Ford Expedition XLT 2WD insurance rates for different coverage choices and risks. The cheapest discount rate is $738. Drivers who use higher $1,000 deductibles will pay $1,090. The average rate for a driver age 40 with no violations using $500 deductibles is $1,280. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,646. Drivers with multiple violations and accidents could be charged around $2,736. The policy rate for full coverage for a 16-year-old driver is $4,576.

View Chart as Image