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.

U.S. average auto insurance rates for a Ford Expedition are $1,286 annually for full coverage. Comprehensive costs an estimated $306 each year, collision costs $506, and liability coverage 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 pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Expedition models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have fewer accident claims than larger metro areas.

The graphic below illustrates how where you live affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using price 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 lowest rate with discounts is $739
• Using higher $1,000 deductibles will save approximately $182 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,286
• Choosing low deductibles for physical damage coverage will cost $1,644
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,770 or more
• The price with full coverage for a teenage driver can cost as much as $4,682 or more

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.

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

Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a quick rundown of the material that was touched on in the above illustrations.

• Consumers who want higher liability limits will pay about $370 each year to increase from a low limit to higher 250/500 limits
• Teenagers are charged the highest prices, with premiums as much as $390 a month including comprehensive and collision insurance
• Drivers with reckless driving or DUI convictions may pay on average $1,480 more annually for car insurance
• Increasing physical damage deductibles could save up to $550 each year

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.