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 rates for a Ford Expedition are $1,300 a year for full coverage insurance. Comprehensive costs approximately $320 each year, collision costs $512, and liability costs around $332. A liability-only policy costs as low as $388 a year, with high-risk insurance costing around $2,782. Teenage drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best discount rate is $748
• Using higher $1,000 deductibles will save $192 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Using low deductibles for physical damage coverage will increase the cost to $1,662
• High-risk insureds who are prone to accidents and violations could pay around $2,782 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,682 or more

View Chart as Image

Car insurance rates for a Ford Expedition also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $560 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Find Affordable Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition requires being a good driver, having above-average credit, being claim-free, and avoiding coverage lapses. Make time to compare rates once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the data that was touched on in this article.

• It is possible to save around $160 per year simply by quoting online in advance
• Insureds who purchase an increased level of liability coverage will pay an extra $370 annually to increase from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay the highest auto insurance rates, possibly costing $390 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more per year than a safer driver

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.