1. Vehicles
  2. Ford
  3. Expedition
  4. XLT 4WD

Ford Expedition XLT 4WD Insurance Rates

Enter your zip code below to view companies that have cheap auto 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:

Comprehensive $340
Collision $540
Liability $310

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

Price Range for Insurance for this Ford Expedition Trim Level

For the normal driver, Ford Expedition XLT 4WD insurance prices go from as low as $370 for basic liability insurance to the much higher price of $2,836 for a driver who requires high-risk insurance.

Liability Only $370
Full Coverage $1,326
High Risk $2,836

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap Ford Expedition XLT 4WD Insurance

Searching Companies

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

Ford Expedition XLT 4WD insurance cost comparison chart
Column chart showing Ford Expedition XLT 4WD insurance prices range from $763 to $4,720 for full coverage

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.

Ford Expedition XLT 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,198 -$128 -9.7%
Alaska $1,016 -$310 -23.4%
Arizona $1,098 -$228 -17.2%
Arkansas $1,326 -$0 0.0%
California $1,510 $184 13.9%
Colorado $1,266 -$60 -4.5%
Connecticut $1,360 $34 2.6%
Delaware $1,498 $172 13.0%
Florida $1,654 $328 24.7%
Georgia $1,224 -$102 -7.7%
Hawaii $952 -$374 -28.2%
Idaho $898 -$428 -32.3%
Illinois $986 -$340 -25.6%
Indiana $998 -$328 -24.7%
Iowa $892 -$434 -32.7%
Kansas $1,258 -$68 -5.1%
Kentucky $1,806 $480 36.2%
Louisiana $1,962 $636 48.0%
Maine $818 -$508 -38.3%
Maryland $1,092 -$234 -17.6%
Massachusetts $1,056 -$270 -20.4%
Michigan $2,300 $974 73.5%
Minnesota $1,110 -$216 -16.3%
Mississippi $1,586 $260 19.6%
Missouri $1,176 -$150 -11.3%
Montana $1,422 $96 7.2%
Nebraska $1,044 -$282 -21.3%
Nevada $1,588 $262 19.8%
New Hampshire $956 -$370 -27.9%
New Jersey $1,482 $156 11.8%
New Mexico $1,172 -$154 -11.6%
New York $1,394 $68 5.1%
North Carolina $762 -$564 -42.5%
North Dakota $1,084 -$242 -18.3%
Ohio $912 -$414 -31.2%
Oklahoma $1,360 $34 2.6%
Oregon $1,214 -$112 -8.4%
Pennsylvania $1,260 -$66 -5.0%
Rhode Island $1,766 $440 33.2%
South Carolina $1,200 -$126 -9.5%
South Dakota $1,118 -$208 -15.7%
Tennessee $1,158 -$168 -12.7%
Texas $1,596 $270 20.4%
Utah $980 -$346 -26.1%
Vermont $904 -$422 -31.8%
Virginia $794 -$532 -40.1%
Washington $1,020 -$306 -23.1%
West Virginia $1,216 -$110 -8.3%
Wisconsin $916 -$410 -30.9%
Wyoming $1,180 -$146 -11.0%

View Chart as Image

Ford Expedition XLT 4WD insurance rates by U.S. city

Not your model?

Choose a different trim level below

Rates by Driver Age

Ford Expedition XLT 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,720
20 $3,012
30 $1,392
40 $1,326
50 $1,206
60 $1,182

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition XLT 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,712
$250 $1,534
$500 $1,326
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition XLT 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,326
50/100 $1,388
100/300 $1,466
250/500 $1,667
100 CSL $1,419
300 CSL $1,590
500 CSL $1,714

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition XLT 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,758
20 $4,776
30 $2,914
40 $2,836
50 $2,700
60 $2,672

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $99
5-yr Claim Free $85
Paid in Full/EFT $63
Advance Quote $66
Online Quote $95
Total Discounts $563
Rate after discounts $763

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption