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 with full coverage. Comprehensive costs approximately $296, collision costs $494, and liability coverage is $354. Liability-only coverage costs around $406 a year, with high-risk coverage costing around $2,758. Teenage drivers 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:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $735
• Raising to $1,000 deductibles will save $178 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,280
• Using pricier low deductibles increases the price to $1,628
• Unlucky drivers who are prone to accidents and violations could pay around $2,758 or more
• Policy cost to insure a teenage driver for full coverage can cost $4,688

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driving record, and the model of your Expedition.

Using high physical damage deductibles can reduce rates by up to $530 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay 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 may be forking out anywhere from $1,500 to $2,100 additional every year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost around 45% to 131% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Ford Expedition insurance rates. A middle-age driver might find rates as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates 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 More Affordable Ford Expedition Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The list below is a summary of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,480 more per year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teenagers are the costliest to insure, as much as $391 each month if full coverage is included

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.