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 $1,286 annually with full coverage. Comprehensive insurance costs approximately $306, collision costs $506, and liability is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing $2,770 or more. Teen drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 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 the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save $182 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Choosing pricier low deductibles costs an additional $358 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,770 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,682

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

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 in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out 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 average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $540 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 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 $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices will be substantially 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 Affordable Ford Expedition Insurance

Finding better rates on car insurance consists of being a low-risk driver, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least every other year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief review of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,480 more per year to insure their Expedition
• 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 up to $550 each year
• Policyholders who purchase more liability coverage will pay about $370 every year 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.