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 $1,300 a year including full coverage. Comprehensive costs an estimated $320 a year, collision costs $512, and liability costs around $332. Buying just liability costs as low as $388 a year, with insurance for high-risk drivers costing around $2,782. Teen drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on insurance prices.

These examples highlight why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $748
• Using higher $1,000 deductibles will save approximately $1,108 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,300
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,662
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,782 or more
• The cost for full coverage for 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 can also vary considerably based on your driver profile, the model of your Expedition, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $560 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 45% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

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 the Best Ford Expedition Insurance

Saving money on insurance for a Ford Expedition requires being safe and accident-free, having good credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at least every other year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the car insurance concepts touched on in this article.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,480 more annually than a low-risk driver
• You may be able to save approximately $160 per year simply by quoting early and online
• Increasing deductibles can save around $550 each year
• Insureds who want more liability protection will pay about $370 per year to increase from a minimum limit to 250/500 limits

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.