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 rates for a Ford Expedition are $1,300 a year including full coverage. Comprehensive costs on average $320 each year, collision costs $512, and liability is $332. Liability-only coverage costs around $388 a year, with high-risk coverage costing around $2,782. Teen drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

These rate differences highlight why all drivers should compare rates quotes based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $748
• Raising to $1,000 deductibles will save around $192 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,300
• Choosing low deductibles bumps up the cost to $1,662
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,782 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,682

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 129% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low 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 teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age

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 $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce prices by up to $560 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so the 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 Find the Best Ford Expedition Insurance

Finding better rates on insurance for a Ford Expedition consists of avoiding accidents and violations, having above-average credit, refrain from filing small claims, and bundling your home and auto policies. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief recap of the material that was presented in the illustrations above.

• Insureds who require higher liability limits will pay about $370 per year to raise from 30/60 bodily injury limits to the 250/500 level
• Teenagers pay the highest prices, with the cost nearing $390 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,480 more each year for car insurance
• Increasing policy deductibles can save approximately $550 each year

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.