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 prices for a Ford Expedition are $1,286 every 12 months for full coverage. Comprehensive costs an estimated $306 a year, collision costs $506, and liability insurance costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing around $2,770. Teen drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

The ranges above show why it is important to compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

More Rate Details

The chart below shows estimated Ford Expedition insurance rates for other coverage scenarios.

• The lowest rate with discounts is $739
• Using higher $1,000 deductibles will save approximately $1,104 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,286
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,644
• Drivers with multiple violations and an at-fault accident could pay up to $2,770 or more
• The price to insure a teen driver can cost as much as $4,682 or more

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $540 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 130% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted 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 Shop for Low Cost Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a review of the ideas that were illustrated above.

• Teenage drivers are the costliest to insure, with premiums as much as $390 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations pay on average $1,480 more annually for auto insurance
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers can save approximately $160 per year simply by quoting early and online

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.