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.

Estimated auto insurance rates for a Ford Expedition are $1,280 annually for full coverage insurance. Comprehensive insurance costs an estimated $296, collision insurance costs $494, and liability is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs $2,758 or more. Teen drivers pay the most at up to $4,688 a year.

Average premium for full coverage: $1,280

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas. The example below illustrates how location helps determine insurance prices.

These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

More Rate Information

The chart below illustrates average Ford Expedition insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save approximately $178 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,280
• Choosing pricier low deductibles costs an additional $348 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,758
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,688

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,500 to $2,100 additional annually, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $530 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, 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 Cheap Ford Expedition Insurance

Finding better rates on car insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the information covered in the charts and tables above.

• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Teen drivers are expensive to insure, with premiums being up to $391 per month if they have full coverage
• Increasing policy deductibles could save up to $525 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,480 more annually to insure their Expedition
• Policyholders who want more liability coverage will pay about $390 annually to raise from 30/60 bodily injury limits to higher 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.