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.

Estimated insurance prices for a Ford Expedition are $1,286 every 12 months with full coverage. Comprehensive costs on average $306 a year, collision costs $506, and liability costs $338. A liability-only policy costs as little as $394 a year, with high-risk insurance costing around $2,770. Teenage drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

The chart below details estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay around $1,104 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,286
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,644
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,770 or more
• An auto insurance policy to insure a teen driver may cost $4,682 a year

View Chart as Image

Auto insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Expedition.

Using high physical damage deductibles could save up to $540 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 More Affordable Ford Expedition Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, being claim-free, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct companies, and also from local exclusive and independent agents.

The following list is a summary of the material that was covered in the above illustrations.

• Policyholders who require an increased level of liability coverage will pay an extra $370 every year to go from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are charged the highest prices, possibly costing $390 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,480 more each year than a safer driver
• Increasing policy deductibles could save as much as $550 each year

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.