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.

The average insurance prices for a Ford Expedition are $1,286 every 12 months with full coverage. Comprehensive insurance costs an estimated $306 each year, collision costs $506, and liability costs around $338. Liability-only insurance costs as low as $394 a year, with high-risk driver insurance costing $2,770 or more. Teens cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

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

The examples above demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $739
• Using higher $1,000 deductibles will save approximately $182 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,286
• Selecting low deductibles for physical damage coverage costs an extra $358 annually
• High-risk insureds with serious driving violations could pay up to $2,770 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,682 or more

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 45% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, and quoted rates will be varied.

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 Affordable Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition requires having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief review of the concepts that were illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more annually to buy Ford Expedition insurance
• Drivers age 20 and younger are the costliest to insure, as much as $390 each month if comprehensive and collision insurance is included
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• You may be able to save approximately $160 per year simply by quoting online in advance

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.