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 auto insurance rates for a Ford Expedition are $1,280 annually with full coverage. Comprehensive costs on average $296 a year, collision costs $494, and liability coverage costs around $354. Liability-only insurance costs as low as $406 a year, with high-risk driver insurance costing around $2,758. Teenage drivers pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save around $1,102 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,280
• Using low $100 deductibles for physical damage coverage will cost $1,628
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,758 or more
• The price with full coverage for a teenage driver may cost $4,688 or more

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $530 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Best Ford Expedition Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the car insurance concepts covered in the charts and tables above.

• Drivers who tend to receive serious violations pay an average of $1,480 more each year for Expedition insurance
• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $525 each year
• Consumers who require higher liability limits will pay an extra $390 every year to increase from a low limit to higher 250/500 limits

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.