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 including full coverage. Comprehensive costs on average $306, collision costs $506, and liability insurance costs $338. A liability-only policy costs as little as $394 a year, with high-risk insurance costing around $2,770. Teen drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $739
• Drivers who choose higher $1,000 deductibles will pay around $182 every year
• The average price for a good driver age 40 with $500 deductibles is $1,286
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,644
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,770 or more
• Policy cost to insure a teen driver with full coverage may cost $4,682 a year

View Chart as Image

Car insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Expedition.

Choosing high deductibles could save up to $540 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $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 are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes 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 Cheap Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the primary concepts that were touched on above.

• You may be able to save as much as $160 per year simply by shopping early and online
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $390 each month if the policy includes full coverage

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.