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.

U.S. average insurance prices for a Ford Expedition are $1,286 every 12 months for full coverage insurance. Comprehensive costs around $306, collision costs $506, and liability coverage costs $338. A policy with just liability insurance costs as little as $394 a year, with coverage for high-risk drivers costing around $2,770. Teen drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Price estimates for individual coverage:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and their own driving history, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $739
• Drivers who choose higher $1,000 deductibles will pay about $182 each year
• The average price for the average middle-age driver using $500 deductibles is $1,286
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,644
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,770 or more
• The price to insure a teenage driver for full coverage can be $4,682 a year

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing high deductibles could save up to $540 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers can cost around 45% to 130% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, so the prices may be quite 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 Best Ford Expedition Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the information illustrated above.

• It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
• Teen drivers pay higher prices, as much as $390 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers who tend to receive serious violations may pay on average $1,480 more every year to insure their Expedition
• Consumers who may need more liability coverage will pay about $370 annually to go from a low limit to a 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.