Ford Expedition Insurance Rates

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Save on 2024 Ford Expedition Insurance Rates

Want better car insurance rates for your Ford Expedition? High-priced car insurance can sap your budget and put the squeeze on your family's finances. There is such a variety of auto insurance companies to buy insurance from, and although it's nice to be able to choose, it makes it harder to find the lowest rates. First Step: Get free insurance quotes Getting cheaper 2024 Ford Expedition insuran...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 12, 2024

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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.

Average insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive insurance costs on average $306 a year, collision costs $506, and liability costs $338. Liability-only coverage costs as little as $394 a year, with high-risk coverage costing $2,770 or more. 16-year-old drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Comprehensive $306
Collision $506
Liability $338

Prices include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the cheapest price of $394 for a discount liability-only rate to a high of $2,770 for a policy for a high-risk driver.

Liability Only $394
Full Coverage $1,286
High Risk $2,770

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $965
Small Cities $1,350
Large Cities $1,736

These examples highlight why it is important to compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below breaks down estimated Ford Expedition insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $739
  • Drivers who choose higher $1,000 deductibles will pay around $1,104 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,286
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $358 every year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,770 or more
  • The cost to insure a teen driver may cost $4,682 a year

View Chart as Image

Ford Expedition insurance cost comparison chart
Column chart showing full coverage Ford Expedition insurance prices range from $739 to $4,682

Car insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Expedition.

Opting for high physical damage deductibles could save up to $540 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

Ford Expedition Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,164 -$122 -9.5%
Alaska $988 -$298 -23.2%
Arizona $1,068 -$218 -17.0%
Arkansas $1,286 -$0 0.0%
California $1,468 $182 14.2%
Colorado $1,228 -$58 -4.5%
Connecticut $1,322 $36 2.8%
Delaware $1,456 $170 13.2%
Florida $1,610 $324 25.2%
Georgia $1,190 -$96 -7.5%
Hawaii $926 -$360 -28.0%
Idaho $874 -$412 -32.0%
Illinois $958 -$328 -25.5%
Indiana $972 -$314 -24.4%
Iowa $868 -$418 -32.5%
Kansas $1,224 -$62 -4.8%
Kentucky $1,756 $470 36.5%
Louisiana $1,906 $620 48.2%
Maine $796 -$490 -38.1%
Maryland $1,064 -$222 -17.3%
Massachusetts $1,028 -$258 -20.1%
Michigan $2,234 $948 73.7%
Minnesota $1,078 -$208 -16.2%
Mississippi $1,544 $258 20.1%
Missouri $1,142 -$144 -11.2%
Montana $1,382 $96 7.5%
Nebraska $1,014 -$272 -21.2%
Nevada $1,544 $258 20.1%
New Hampshire $930 -$356 -27.7%
New Jersey $1,438 $152 11.8%
New Mexico $1,140 -$146 -11.4%
New York $1,354 $68 5.3%
North Carolina $742 -$544 -42.3%
North Dakota $1,056 -$230 -17.9%
Ohio $888 -$398 -30.9%
Oklahoma $1,320 $34 2.6%
Oregon $1,180 -$106 -8.2%
Pennsylvania $1,228 -$58 -4.5%
Rhode Island $1,716 $430 33.4%
South Carolina $1,168 -$118 -9.2%
South Dakota $1,086 -$200 -15.6%
Tennessee $1,126 -$160 -12.4%
Texas $1,552 $266 20.7%
Utah $952 -$334 -26.0%
Vermont $880 -$406 -31.6%
Virginia $772 -$514 -40.0%
Washington $994 -$292 -22.7%
West Virginia $1,180 -$106 -8.2%
Wisconsin $888 -$398 -30.9%
Wyoming $1,148 -$138 -10.7%

View Chart as Image

Ford Expedition insurance rates by U.S. city

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Ford Expedition Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Expedition SSV 2WD $1,162 $97
Ford Expedition SSV 4WD $1,246 $104
Ford Expedition XLT 2WD $1,246 $104
Ford Expedition XLT 4WD $1,286 $107
Ford Expedition Eddie Bauer 2WD $1,330 $111
Ford Expedition Eddie Bauer 4WD $1,330 $111
Ford Expedition Limited 2WD $1,330 $111
Ford Expedition King Ranch 2WD $1,372 $114
Ford Expedition King Ranch 4WD $1,372 $114
Ford Expedition Limited 4WD $1,372 $114

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.

Ford Expedition Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford Expedition $320 $512 $332 $1,300
2023 Ford Expedition $306 $506 $338 $1,286
2022 Ford Expedition $296 $494 $354 $1,280
2021 Ford Expedition $286 $474 $364 $1,260
2020 Ford Expedition $270 $458 $376 $1,240
2019 Ford Expedition $260 $424 $384 $1,204
2018 Ford Expedition $250 $400 $388 $1,174
2017 Ford Expedition $240 $358 $390 $1,124
2016 Ford Expedition $224 $330 $390 $1,080
2015 Ford Expedition $216 $310 $394 $1,056
2014 Ford Expedition $210 $288 $402 $1,036
2013 Ford Expedition $194 $268 $402 $1,000
2012 Ford Expedition $190 $244 $406 $976
2011 Ford Expedition $176 $222 $402 $936
2010 Ford Expedition $166 $202 $402 $906
2009 Ford Expedition $162 $182 $398 $878
2008 Ford Expedition $158 $178 $390 $862
2007 Ford Expedition $156 $168 $384 $844
2006 Ford Expedition $142 $160 $380 $818
2005 Ford Expedition $138 $152 $376 $802

Rates are averaged for all Ford Expedition models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Ford Expedition Insurance

Saving money on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save as much as $160 per year simply by quoting early and online
  • Increasing deductibles could save as much as $550 each year
  • Youthful drivers are expensive to insure, as much as $390 per month if the policy includes full coverage
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,480 more each year than a low-risk driver

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.

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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:

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.

Rates by Driver Age

Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $4,682
20 $2,944
30 $1,350
40 $1,286
50 $1,174
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,480
$500 $1,286
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,286
50/100 $1,440
100/300 $1,524
250/500 $1,744
100 CSL $1,473
300 CSL $1,659
500 CSL $1,795

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $6,692
20 $4,676
30 $2,836
40 $2,770
50 $2,638
60 $2,614

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $60
Advance Quote $64
Online Quote $92
Total Discounts $547
Rate after discounts $739

Discounts are estimated and may not be available from every company or in every state.

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