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.

Average insurance rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive insurance costs around $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 $2,758 or more. Teen drivers receive the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Rate estimates for individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.

These examples show why everyone should compare prices for a specific zip code, rather than using price averages.

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

Additional Rate Details

The chart below shows average 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 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,280
• Choosing pricier low deductibles for physical damage coverage will cost an additional $348 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,758
• The cost that insures a teenage driver for full coverage can be $4,688 or more

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on the model of your Expedition, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. Ford Expedition insurance for high-risk drivers can be around 45% to 131% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live 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 Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $530 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 extra every 12 months. 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 Affordable Ford Expedition Insurance

Saving money on auto insurance requires being a good driver, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Shop around every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the information touched on in this article.

• Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are the costliest to insure, costing as high as $391 per month if full coverage is purchased
• Increasing deductibles can save approximately $525 each year
• Drivers with DUI or reckless driving convictions pay on average $1,480 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay about $390 each year to increase from a minimum limit to the 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.