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 prices for a Ford Expedition are $1,280 every 12 months including full coverage. Comprehensive costs around $296, collision costs $494, and liability costs around $354. A liability-only policy costs as low as $406 a year, with high-risk insurance costing around $2,758. Teen drivers pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates for type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

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

These rate differences highlight why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save about $178 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,280
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,628
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,758 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage can be $4,688 or more

View Chart as Image

Auto insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $530 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Ford Expedition insurance for high-risk drivers can be from 45% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted 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 Shop for Low Cost Ford Expedition Insurance

Finding better rates on insurance for a Ford Expedition requires being a low-risk driver, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop every year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a review of the coverage data touched on in the above illustrations.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $525 each year
• Teen drivers are expensive to insure, with the cost nearing $391 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,480 more every year to insure their Expedition

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.