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 insurance prices for a Ford Expedition are $1,280 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $296 each year, collision insurance costs $494, and liability insurance costs around $354. Liability-only insurance costs as low as $406 a year, and high-risk driver insurance costs $2,758 or more. Teens pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Expedition models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save $178 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,280
• Selecting low deductibles for physical damage coverage costs an extra $348 a year
• Drivers with serious driving violations could pay around $2,758
• The price to insure a teen driver can cost $4,688 or more

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Expedition.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $530 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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 Shop for Low Cost Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a review of the data touched on in the above illustrations.

• Drivers who purchase more liability protection will pay approximately $390 annually to increase from a low limit to a 250/500 level
• It is possible to save around $160 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $525 each year
• Youthful drivers pay the highest auto insurance prices, as much as $391 a month if the policy includes full coverage

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.