Ford Expedition XLT 2WD Insurance Rates

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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:

Comprehensive $326
Collision $508
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 average 40-year-old driver, Ford Expedition XLT 2WD insurance rates go from the cheapest price of $370 for just liability coverage to a high rate of $2,736 for coverage for higher-risk drivers.

Liability Only $370
Full Coverage $1,280
High Risk $2,736

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.

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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.

View Chart as Image

Ford Expedition XLT 2WD insurance cost comparison chart
Column chart showing Ford Expedition XLT 2WD insurance prices range from $738 to $4,576 for full coverage

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.

Ford Expedition XLT 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,158 -$122 -9.5%
Alaska $980 -$300 -23.4%
Arizona $1,060 -$220 -17.2%
Arkansas $1,280 -$0 0.0%
California $1,458 $178 13.9%
Colorado $1,222 -$58 -4.5%
Connecticut $1,314 $34 2.7%
Delaware $1,446 $166 13.0%
Florida $1,598 $318 24.8%
Georgia $1,184 -$96 -7.5%
Hawaii $918 -$362 -28.3%
Idaho $868 -$412 -32.2%
Illinois $952 -$328 -25.6%
Indiana $964 -$316 -24.7%
Iowa $862 -$418 -32.7%
Kansas $1,214 -$66 -5.2%
Kentucky $1,746 $466 36.4%
Louisiana $1,894 $614 48.0%
Maine $790 -$490 -38.3%
Maryland $1,056 -$224 -17.5%
Massachusetts $1,018 -$262 -20.5%
Michigan $2,220 $940 73.4%
Minnesota $1,072 -$208 -16.3%
Mississippi $1,532 $252 19.7%
Missouri $1,136 -$144 -11.3%
Montana $1,372 $92 7.2%
Nebraska $1,008 -$272 -21.3%
Nevada $1,534 $254 19.8%
New Hampshire $922 -$358 -28.0%
New Jersey $1,430 $150 11.7%
New Mexico $1,132 -$148 -11.6%
New York $1,348 $68 5.3%
North Carolina $736 -$544 -42.5%
North Dakota $1,048 -$232 -18.1%
Ohio $882 -$398 -31.1%
Oklahoma $1,314 $34 2.7%
Oregon $1,174 -$106 -8.3%
Pennsylvania $1,218 -$62 -4.8%
Rhode Island $1,706 $426 33.3%
South Carolina $1,160 -$120 -9.4%
South Dakota $1,078 -$202 -15.8%
Tennessee $1,118 -$162 -12.7%
Texas $1,542 $262 20.5%
Utah $946 -$334 -26.1%
Vermont $876 -$404 -31.6%
Virginia $766 -$514 -40.2%
Washington $986 -$294 -23.0%
West Virginia $1,174 -$106 -8.3%
Wisconsin $884 -$396 -30.9%
Wyoming $1,138 -$142 -11.1%

View Chart as Image

Ford Expedition XLT 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford Expedition XLT 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,576
20 $2,904
30 $1,342
40 $1,280
50 $1,166
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition XLT 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,478
$500 $1,280
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition XLT 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,280
50/100 $1,342
100/300 $1,420
250/500 $1,621
100 CSL $1,373
300 CSL $1,544
500 CSL $1,668

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition XLT 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,542
20 $4,606
30 $2,808
40 $2,736
50 $2,604
60 $2,578

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $64
Homeowner $18
5-yr Accident Free $94
5-yr Claim Free $82
Paid in Full/EFT $60
Advance Quote $63
Online Quote $92
Total Discounts $542
Rate after discounts $738

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

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