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 insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive costs approximately $306, collision costs $506, and liability is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing around $2,770. 16-year-old drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. 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 car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why everyone should compare rates quotes using their specific location and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save $182 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles increases the price to $1,644
• At-risk drivers with multiple tickets or accidents could pay around $2,770 or more
• An auto insurance policy to insure a teen driver for full coverage can cost $4,682

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Expedition.

Opting for high physical damage deductibles can reduce prices by up to $540 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher 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, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $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 130% more than the average rate. View High Risk Driver Rates

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 $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices will be substantially 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 Shop for the Cheapest Ford Expedition Insurance

Finding better rates on car insurance consists of having a decent driving record, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a recap of the car insurance concepts presented in the illustrations above.

• Higher risk drivers that have major violations or accidents could be charged and average of $1,480 more per year than a driver with a clean driving record
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $550 each year
• Policyholders who purchase additional liability coverage will pay around $370 per year to raise from 30/60 bodily injury limits to a 250/500 level

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.