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 $1,286 a year including full coverage. Comprehensive costs on average $306 a year, collision costs $506, and liability costs around $338. A policy with just liability insurance costs as low as $394 a year, with coverage for high-risk drivers costing around $2,770. Teen drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical 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 car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

These examples highlight why it is important to compare prices based on a specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $739
• Using higher $1,000 deductibles will save around $1,104 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,286
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,644
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,770 or more
• The cost that insures a 16-year-old driver may cost $4,682 or more

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 age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be from 45% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $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 $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

Choosing high deductibles could cut rates by as much as $540 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.

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 Affordable Ford Expedition Insurance

Saving money on insurance for a Ford Expedition requires avoiding accidents and violations, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the data covered in the charts and tables above.

• Insureds who require higher liability limits will pay about $370 per year to increase from a minimum limit to the 250/500 level
• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing deductibles can save approximately $550 each year
• Teenagers pay higher rates, as much as $390 per month if comprehensive and collision insurance is included

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.