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 $1,280 annually for full coverage. Comprehensive insurance costs approximately $296 each year, collision insurance costs $494, and liability costs around $354. A liability-only policy costs as low as $406 a year, and high-risk insurance costs $2,758 or more. 16-year-old drivers receive the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

These examples show why all drivers should compare prices using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below shows average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $735
• Using higher $1,000 deductibles will save $178 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,280
• Buying low deductibles for physical damage coverage costs an additional $348 every year
• Drivers with multiple tickets or accidents could pay around $2,758
• The cost with full coverage for a teen driver can cost $4,688 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 driver profile, and physical damage deductibles and liability limits.

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

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $530 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 the Right Ford Expedition Insurance

Saving money on car insurance requires being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Below is a quick rundown of the concepts that were presented in the illustrations above.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,480 more per year for auto insurance
• Teenage drivers are expensive to insure, costing as high as $391 per month including comprehensive and collision insurance
• Drivers can save around $160 per year just by quoting online in advance
• Increasing deductibles could save up to $525 each year
• Drivers can save around $160 per year just 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.