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 $1,286 a year for full coverage. Comprehensive costs approximately $306, collision insurance costs $506, and liability insurance is $338. A policy with only liability insurance costs around $394 a year, and a high-risk policy costs around $2,770. 16-year-old drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 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 has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.

These rate differences show why everyone should compare rates quotes using their specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below shows average 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 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles bumps up the cost to $1,644
• Higher-risk drivers with multiple tickets or accidents could pay around $2,770
• An auto insurance policy that insures a teen driver for full coverage can cost $4,682

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could 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 teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Ford Expedition Insurance

Finding better rates on Ford Expedition insurance consists of being a safe and courteous driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop every time your policy renews by getting rate quotes from direct carriers, and also from insurance agencies where you live.

Below is a quick review of the information presented in the illustrations above.

• Drivers can save around $160 per year just by quoting online well ahead of the renewal date
• Teenage drivers pay the highest auto insurance prices, as much as $390 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $550 each year
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay around $370 each year to raise from 30/60 bodily injury limits to the 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.