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 rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive costs approximately $296, collision insurance costs $494, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs around $2,758. 16-year-old drivers cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location, rather than using rate averages.

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

Additional Charts and Tables

The chart below shows average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $735
• Using higher $1,000 deductibles will save $178 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,280
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,628
• Higher-risk drivers with multiple tickets or accidents could pay around $2,758
• Policy cost that insures a teenage driver with full coverage can cost $4,688 or more

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be around 45% to 131% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $530 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more each year. 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 cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a quick review of the ideas that were touched on in the above illustrations.

• Teenagers are the costliest to insure, costing up to $391 each month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers can save around $160 per year just by shopping early and online

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.