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.

Average insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive insurance costs on average $306 a year, collision costs $506, and liability costs $338. Liability-only coverage costs as little as $394 a year, with high-risk coverage costing $2,770 or more. 16-year-old drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $739
• Drivers who choose higher $1,000 deductibles will pay around $1,104 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,286
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $358 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,770 or more
• The cost to insure a teen driver may cost $4,682 a year

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Expedition.

Opting for high physical damage deductibles could save up to $540 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, so rate quotes can be significantly 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 Right Ford Expedition Insurance

Saving money on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data raised in the charts and tables above.

• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing deductibles could save as much as $550 each year
• Youthful drivers are expensive to insure, as much as $390 per month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,480 more each year than a low-risk driver

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.