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 auto insurance rates for a Ford Expedition are $1,300 annually with full coverage. Comprehensive insurance costs on average $320 each year, collision costs $512, and liability is $332. A liability-only policy costs around $388 a year, with high-risk insurance costing $2,782 or more. Teen drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $748
• Raising to $1,000 deductibles will save around $192 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,300
• Choosing low deductibles costs an additional $362 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,782 or more
• The cost with full coverage for a teen driver may cost $4,682

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driving record, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $560 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates can be significantly different between companies.

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 Buy Cheaper Ford Expedition Insurance

Saving money on car insurance consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a condensed summary of the ideas that were touched on in the above illustrations.

• Teenagers pay the highest rates, with premiums as much as $390 per month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents pay an average of $1,480 more each year for car insurance
• Increasing deductibles could save up to $550 each year
• You may be able to save as much as $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.