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.

Average insurance rates for a Ford Expedition are $1,286 a year with full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability insurance costs $338. Buying just liability costs as little as $394 a year, and insurance for high-risk drivers costs $2,770 or more. Teenage drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should compare rates based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Information

The chart below details average 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 $182 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,286
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $358 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,770
• The cost for full coverage for a teen driver for full coverage may cost $4,682 a year

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance rates. 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

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

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

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 Low Cost Ford Expedition Insurance

Saving money on Ford Expedition insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The items below are a review of the coverage data covered above.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $550 each year
• Teen drivers are charged the highest rates, with premiums as much as $390 per month if they have full coverage
• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,480 more each year to insure their Expedition

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.