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.

The average insurance prices for a Ford Expedition are $1,280 every 12 months for full coverage insurance. Comprehensive costs approximately $296, collision costs $494, and liability insurance is estimated at $354. A liability-only policy costs approximately $406 a year, with high-risk insurance costing around $2,758. Teens cost the most to insure at $4,688 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes 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.

Additional Charts and Tables

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save $178 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,280
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,628
• High-risk insureds with serious driving violations could pay around $2,758 or more
• Policy cost to insure a teen driver with full coverage can cost $4,688 each year

View Chart as Image

Car insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your risk profile, and the model of your Expedition.

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay 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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied.

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 Best Cheap Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a quick review of the data touched on above.

• Drivers who purchase increased liability limits will pay approximately $390 annually to raise limits from a 30/60 limit to a 250/500 level
• It is possible to save around $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $391 each 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.