Ford Expedition Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 12, 2024
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When the time comes to start comparing Ford Expedition insurance rates, you may not know where to begin. The first thing you should know is that the average Ford Expedition insurance costs about $1,320 a year, which boils down to about $110 per month.
This comprehensive guide will walk you through exactly how Ford Expedition rates are calculated so you can have a firm understanding of what to expect before you start shopping around. It’s also important to keep the year of the model and trim level in mind; one example being a 2009 Ford Expedition SSV.
When you’re ready, you can start comparing Ford Expedition insurance quotes from multiple companies by taking advantage of our free online tool.
The average auto insurance rates for a Ford Expedition are $1,286 annually for full coverage insurance. Comprehensive insurance costs around $306, collision costs $506, and liability coverage costs around $338. A liability-only policy costs as low as $394 a year, with high-risk insurance costing $2,770 or more. Teens cost the most to insure at $4,682 a year or more.
Average premium for full coverage: $1,286
Policy rates for type of insurance:
Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Expedition trim levels.
Price Range Variability
For the average driver, Ford Expedition insurance rates go from as cheap as $394 for just liability coverage to a much higher rate of $2,770 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how location impacts auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates estimated Ford Expedition insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $739
- Using higher $1,000 deductibles will save about $182 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,286
- Selecting more expensive low deductibles for physical damage coverage costs an additional $358 each year
- Higher-risk drivers with serious driving violations could pay at least $2,770 or more
- Policy cost with full coverage for a teenage driver with full coverage can be $4,682 or more
Car insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 45% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,740 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,164 | -$122 | -9.5% |
Alaska | $988 | -$298 | -23.2% |
Arizona | $1,068 | -$218 | -17.0% |
Arkansas | $1,286 | -$0 | 0.0% |
California | $1,468 | $182 | 14.2% |
Colorado | $1,228 | -$58 | -4.5% |
Connecticut | $1,322 | $36 | 2.8% |
Delaware | $1,456 | $170 | 13.2% |
Florida | $1,610 | $324 | 25.2% |
Georgia | $1,190 | -$96 | -7.5% |
Hawaii | $926 | -$360 | -28.0% |
Idaho | $874 | -$412 | -32.0% |
Illinois | $958 | -$328 | -25.5% |
Indiana | $972 | -$314 | -24.4% |
Iowa | $868 | -$418 | -32.5% |
Kansas | $1,224 | -$62 | -4.8% |
Kentucky | $1,756 | $470 | 36.5% |
Louisiana | $1,906 | $620 | 48.2% |
Maine | $796 | -$490 | -38.1% |
Maryland | $1,064 | -$222 | -17.3% |
Massachusetts | $1,028 | -$258 | -20.1% |
Michigan | $2,234 | $948 | 73.7% |
Minnesota | $1,078 | -$208 | -16.2% |
Mississippi | $1,544 | $258 | 20.1% |
Missouri | $1,142 | -$144 | -11.2% |
Montana | $1,382 | $96 | 7.5% |
Nebraska | $1,014 | -$272 | -21.2% |
Nevada | $1,544 | $258 | 20.1% |
New Hampshire | $930 | -$356 | -27.7% |
New Jersey | $1,438 | $152 | 11.8% |
New Mexico | $1,140 | -$146 | -11.4% |
New York | $1,354 | $68 | 5.3% |
North Carolina | $742 | -$544 | -42.3% |
North Dakota | $1,056 | -$230 | -17.9% |
Ohio | $888 | -$398 | -30.9% |
Oklahoma | $1,320 | $34 | 2.6% |
Oregon | $1,180 | -$106 | -8.2% |
Pennsylvania | $1,228 | -$58 | -4.5% |
Rhode Island | $1,716 | $430 | 33.4% |
South Carolina | $1,168 | -$118 | -9.2% |
South Dakota | $1,086 | -$200 | -15.6% |
Tennessee | $1,126 | -$160 | -12.4% |
Texas | $1,552 | $266 | 20.7% |
Utah | $952 | -$334 | -26.0% |
Vermont | $880 | -$406 | -31.6% |
Virginia | $772 | -$514 | -40.0% |
Washington | $994 | -$292 | -22.7% |
West Virginia | $1,180 | -$106 | -8.2% |
Wisconsin | $888 | -$398 | -30.9% |
Wyoming | $1,148 | -$138 | -10.7% |
Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Each insurance company calculates rates differently, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Ford Expedition SSV 2WD | $1,162 | $97 |
Ford Expedition SSV 4WD | $1,246 | $104 |
Ford Expedition XLT 2WD | $1,246 | $104 |
Ford Expedition XLT 4WD | $1,286 | $107 |
Ford Expedition Eddie Bauer 2WD | $1,330 | $111 |
Ford Expedition Eddie Bauer 4WD | $1,330 | $111 |
Ford Expedition Limited 2WD | $1,330 | $111 |
Ford Expedition King Ranch 2WD | $1,372 | $114 |
Ford Expedition King Ranch 4WD | $1,372 | $114 |
Ford Expedition Limited 4WD | $1,372 | $114 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Ford Expedition | $320 | $512 | $332 | $1,300 |
2023 Ford Expedition | $306 | $506 | $338 | $1,286 |
2022 Ford Expedition | $296 | $494 | $354 | $1,280 |
2021 Ford Expedition | $286 | $474 | $364 | $1,260 |
2020 Ford Expedition | $270 | $458 | $376 | $1,240 |
2019 Ford Expedition | $260 | $424 | $384 | $1,204 |
2018 Ford Expedition | $250 | $400 | $388 | $1,174 |
2017 Ford Expedition | $240 | $358 | $390 | $1,124 |
2016 Ford Expedition | $224 | $330 | $390 | $1,080 |
2015 Ford Expedition | $216 | $310 | $394 | $1,056 |
2014 Ford Expedition | $210 | $288 | $402 | $1,036 |
2013 Ford Expedition | $194 | $268 | $402 | $1,000 |
2012 Ford Expedition | $190 | $244 | $406 | $976 |
2011 Ford Expedition | $176 | $222 | $402 | $936 |
2010 Ford Expedition | $166 | $202 | $402 | $906 |
2009 Ford Expedition | $162 | $182 | $398 | $878 |
2008 Ford Expedition | $158 | $178 | $390 | $862 |
2007 Ford Expedition | $156 | $168 | $384 | $844 |
2006 Ford Expedition | $142 | $160 | $380 | $818 |
2005 Ford Expedition | $138 | $152 | $376 | $802 |
Rates are averaged for all Ford Expedition models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Ford Expedition Insurance
Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the data touched on above.
- Consumers who may need increased levels of liability coverage will pay approximately $370 annually to increase from a 30/60 limit to higher 250/500 limits
- It is possible to save up to $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $390 each month if comprehensive and collision insurance is included
Now that you have a better understanding of how an individual driver’s rates are determined, the next step is to compare Ford Expedition insurance rates from multiple providers. When you’re ready, feel encouraged to use our free quote tool below.
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What are the Ford Expedition safety ratings?
The cost of insurance on a Ford Expedition can vary depending upon the safety ratings and features of the particular model you drive.
Since the Ford Expedition has not been officially tested by the Insurance Institute for Highway Safety (IIHS), take a look at the following safety features that come standard for this model.
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Tire Pressure Monitoring System Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts
- Back-Up Camera
All of these safety features go a long way to help reduce the overall cost of insurance for a Ford Expedition, so be confident as you begin shopping for a policy.
Ford Expedition Compared Against Other Vehicles in the Same Class
Experts from the IIHS classify the Ford Expedition as a large SUV. Other similar models include the following:
When providing you with a quote, insurance companies will consider the loss percentages of the Ford Expedition as it compares to other similar models in this class, like the three shown above.
The good news is that the Ford Expedition reflects a property damage liability loss percentage of -54 percent, which is one of the best in its class.
Now that we have gone into great detail about how Ford Expedition insurance rates are calculated, is there anything we might have missed? If not, start comparing Ford Expedition quotes from top companies by taking advantage of our free online tool.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,682 |
20 | $2,944 |
30 | $1,350 |
40 | $1,286 |
50 | $1,174 |
60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,644 |
$250 | $1,480 |
$500 | $1,286 |
$1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,286 |
50/100 | $1,440 |
100/300 | $1,524 |
250/500 | $1,744 |
100 CSL | $1,473 |
300 CSL | $1,659 |
500 CSL | $1,795 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,692 |
20 | $4,676 |
30 | $2,836 |
40 | $2,770 |
50 | $2,638 |
60 | $2,614 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $69 |
Multi-vehicle | $66 |
Homeowner | $18 |
5-yr Accident Free | $95 |
5-yr Claim Free | $83 |
Paid in Full/EFT | $60 |
Advance Quote | $64 |
Online Quote | $92 |
Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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