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 rates for a Ford Expedition are $1,300 a year for full coverage. Comprehensive costs an estimated $320 a year, collision costs $512, and liability is $332. Liability-only insurance costs around $388 a year, with high-risk driver insurance costing around $2,782. 16-year-old drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $748
• Raising to $1,000 deductibles will save approximately $1,108 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,300
• Buying low $100 deductibles bumps up the cost to $1,662
• Drivers with multiple tickets or accidents could pay up to $2,782 or more
• Policy cost that insures a 16-year-old driver can cost as much as $4,682

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on the trim level of your Expedition, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $560 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $299 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, 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 Find the Best Cheap Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition consists of being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a quick review of the data that was covered in the charts and tables above.

• Drivers can save approximately $160 per year simply by quoting early and online
• Insureds who want more liability coverage will pay around $370 each year to raise from a 30/60 limit to the 250/500 level
• Teen drivers are the costliest to insure, costing up to $390 each month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,480 more annually 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.