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 for full coverage. Comprehensive insurance costs approximately $306 a year, collision costs $506, and liability is $338. A policy with only liability insurance costs around $394 a year, with a high-risk policy costing $2,770 or more. Teen drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

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

These rate differences show why it is important to compare rates quotes 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.

Additional Rate Analysis

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

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save $1,104 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Choosing low $100 deductibles costs an extra $358 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,770 or more
• An auto insurance policy to insure a teen driver can cost $4,682

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Expedition.

Choosing high deductibles can reduce prices by up to $540 every year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 130% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find 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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes 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 Cheaper Ford Expedition Insurance

Finding better rates on car insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at least every other year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a condensed summary of the car insurance concepts illustrated above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,480 more per year to insure their Expedition
• Drivers can save around $160 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $550 each year
• Policyholders who purchase more liability coverage will pay about $370 each year to raise from 30/60 bodily injury limits 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.