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2014 Ford Expedition Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 18, 2020

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Average insurance rates for a 2014 Ford Expedition are $1,174 a year including full coverage. Comprehensive insurance costs approximately $250 each year, collision costs $400, and liability coverage costs around $388. Buying a liability-only policy costs as low as $434 a year, with high-risk insurance costing $2,526 or more. Teenage drivers receive the highest rates at $4,406 a year or more.

Annual premium for full coverage: $1,174

Rate estimates for 2014 Ford Expedition Insurance

Comprehensive $250
Collision $400
Liability $388

Rate data is compiled from all 50 U.S. states and averaged for all 2014 Ford Expedition models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $434 for basic liability insurance to a high rate of $2,526 for a high risk driver.

Liability Only $434
Full Coverage $1,174
High Risk $2,526

View Chart as Image

2014 Ford Expedition insurance rates compared
Column chart showing 2014 Ford Expedition insurance prices range from $683 to $4,406 for full coverage

These differences highlight why all drivers 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 2014 Ford Expedition Insurance

Searching Companies

Looking for cheaper insurance coverage rates for your Ford Expedition? No one in their right mind likes paying for insurance coverage, especially knowing they are paying too much.

With consumers having so many companies and agents to choose from, it is very difficult to pick the lowest price insurance company.

Pay less for 2014 Ford Expedition insurance

Car insurance is not cheap, but you can get discounts to help offset the cost. Some discounts apply automatically at quote time, but some may not be applied and must be manually applied before you get the savings.

  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill if your company offers it.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • College Student – Any of your kids who live away from home and do not have a car may be able to be covered for less.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Expedition coverage with select insurance companies.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will reduce the cost of coverage.

For a list of providers who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Is my teenager covered with friends in the car?
  • What are the financial responsibility laws in my state?
  • Does insurance cover tools stolen from my truck?
  • Can I get a multi-policy discount?
  • Is upholstery damage covered by car insurance?
  • Do I need more liability coverage?
  • Is pleasure use cheaper than using my 2014 Ford Expedition to commute?
  • Am I covered when driving on a suspended license?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

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Insurance coverages and their meanings

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Expedition.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Liability

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, bail bonds, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, hitting a parking meter, driving through your garage door, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for EMT expenses, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Online plus local equals savings

We just showed you a lot of tips how to reduce 2014 Ford Expedition insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the most savings is with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.

Low-cost insurance is definitely available from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. A few companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

More tips and info about insurance is available in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2014 Ford Expedition Insurance Rates by City
City Premium
New York City, NY $1,848
Los Angeles, CA $2,004
Philadelphia, PA $1,565
Jacksonville, FL $1,698
Phoenix, AZ $1,364
Chicago, IL $1,570
Houston, TX $1,836
Seattle, WA $1,137
Columbus, OH $978
Indianapolis, IN $999

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $4,406
20 $2,682
30 $1,216
40 $1,174
50 $1,072
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

2014 Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,326
$500 $1,174
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,252
100/300 $1,349
250/500 $1,601
100 CSL $1,290
300 CSL $1,504
500 CSL $1,659

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $6,274
20 $4,270
30 $2,574
40 $2,526
50 $2,408
60 $2,386

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $83
5-yr Claim Free $76
Paid in Full/EFT $51
Advance Quote $56
Online Quote $83
Total Discounts $491
Rate after discounts $683

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

Find companies with the cheapest rates in your area

2014 Ford Expedition Insurance Rates by State
State Premium
Alabama $1,060
Alaska $898
Arizona $974
Arkansas $1,174
California $1,336
Colorado $1,118
Connecticut $1,202
Delaware $1,324
Florida $1,464
Georgia $1,084
Hawaii $844
Idaho $794
Illinois $872
Indiana $884
Iowa $790
Kansas $1,112
Kentucky $1,598
Louisiana $1,736
Maine $722
Maryland $968
Massachusetts $936
Michigan $2,034
Minnesota $980
Mississippi $1,402
Missouri $1,040
Montana $1,258
Nebraska $922
Nevada $1,406
New Hampshire $846
New Jersey $1,308
New Mexico $1,034
New York $1,232
North Carolina $674
North Dakota $960
Ohio $808
Oklahoma $1,202
Oregon $1,072
Pennsylvania $1,118
Rhode Island $1,562
South Carolina $1,062
South Dakota $988
Tennessee $1,024
Texas $1,412
Utah $866
Vermont $800
Virginia $702
Washington $902
West Virginia $1,074
Wisconsin $808
Wyoming $1,042

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