Ford Expedition vs Chevrolet Suburban Insurance Cost
The Ford Expedition is cheaper to insure by about $240 a year for full coverage by our estimate ($1,370 vs. $1,610), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Ford Expedition | Chevrolet Suburban | Difference |
|---|---|---|---|
| State minimum | $480 | $650 | −$170 |
| Standard (100/300/100) | $695 | $940 | −$245 |
| Full coverage | $1,370 | $1,610 | −$240 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Expedition minus Suburban.
Why one costs more to insure
| Factor | Ford Expedition | Chevrolet Suburban |
|---|---|---|
| Segment | Large SUV | Large SUV |
| Powertrains | Gasoline, Flex-fuel | Gasoline, Diesel, Flex-fuel |
| HLDI collision (100 = avg) | 92 | 91 |
| HLDI comprehensive | 97 | 95 |
| HLDI property damage liability | 71 | 117 |
| HLDI bodily injury liability | 60 | 106 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 3 |
Collision losses are the biggest swing factor: the Ford Expedition has 1 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Expedition vs Suburban insurance by state
By driver profile (full coverage)
| Driver | Expedition | Suburban |
|---|---|---|
| Teen driver (18, own policy) | $3,770 | $4,425 |
| Young adult (22) | $2,195 | $2,575 |
| Adult in their 30s | $1,370 | $1,610 |
| Adult in their 50s | $1,260 | $1,480 |
| Senior (72) | $1,535 | $1,800 |
| 30s, one at-fault accident | $1,990 | $2,330 |
| 30s, DUI on record | $2,535 | $2,975 |
More comparisons
Frequently asked questions
Is the Ford Expedition or the Chevrolet Suburban cheaper to insure?
By our estimate the Ford Expedition is cheaper, by about $240 a year for full coverage ($1,370 vs. $1,610) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Ford Expedition and Chevrolet Suburban?
Mostly because of insurance-loss history: HLDI collision indices of 92 vs. 91 and comprehensive indices of 97 vs. 95 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.