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.

U.S. average insurance rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive insurance costs approximately $296, collision costs $494, and liability coverage is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing $2,758 or more. Teen drivers pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save $178 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,280
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $348 each year
• Drivers with multiple violations and an at-fault accident could pay around $2,758 or more
• The price that insures a teenage driver with full coverage can cost $4,688 each year

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance ranges around 45% to 131% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $530 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices may be quite different.

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 the Best Cheap Ford Expedition Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at least once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following is a quick review of the primary concepts that were presented in the illustrations above.

• Drivers can save around $160 per year simply by shopping early and online
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more per year for Expedition insurance
• Increasing physical damage deductibles can save approximately $525 each year
• Teens are the costliest to insure, with premiums as much as $391 a 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.

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.