Ford Expedition XLT 4WD Insurance Rates

U.S. average insurance rates for a Ford Expedition XLT 4WD are $1,326 a year for full coverage insurance. Comprehensive insurance costs approximately $340, collision costs $540, and liability coverage costs around $310. Liability-only insurance costs as low as $370 a year, with high-risk driver insurance costing $2,836 or more. Teenage drivers pay the highest rates at $4,720 a year or more.

Annual premium for full coverage: $1,326

Price estimates by type of 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 ranges illustrate why everyone should compare prices using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Ford Expedition XLT 4WD are also quite variable based on your driving record, the model year, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Ford Expedition XLT 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $590 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Ford Expedition XLT 4WD insurance for high-risk drivers can be around 44% to 127% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes may be quite different from one company to the next.

View Chart as Image

The chart estimates Ford Expedition XLT 4WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $763. Drivers who use higher $1,000 deductibles will pay around $1,126. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,326. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,712. Drivers with multiple violations and accidents could be charged at least $2,836. The rate for full coverage for a teenager can be as high as $4,720.

View Chart as Image