Ford Expedition Insurance Rates

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 insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive costs approximately $306, collision insurance costs $506, and liability costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance costs around $2,770. Teen drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $739
• Using higher $1,000 deductibles will save $182 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,286
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,644
• Drivers with multiple violations and an at-fault accident could pay around $2,770
• Policy cost to insure a teen driver for full coverage can cost $4,682 or more

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Expedition.

Choosing high deductibles could cut rates by as much as $540 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,600 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 anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Ford Expedition insurance for high-risk drivers can be as much as 45% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Low Cost Ford Expedition Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a review of the car insurance concepts touched on above.

• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,480 more per year than a low-risk driver
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Policyholders who purchase more liability protection will pay about $370 per year to increase from a 30/60 limit to a 250/500 level

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.

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:

• Dodge Durango
• GMC Yukon
• Nissan Armada

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.