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 auto insurance rates for a Ford Expedition are $1,286 annually for full coverage. Comprehensive insurance costs around $306 each year, 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 $2,770 or more. Teen drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates for individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows 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 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,286
• Choosing low deductibles for comprehensive and collision insurance costs an additional $358 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,770 or more
• The cost with full coverage for a teenage driver can be $4,682 a year

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driver profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates can be significantly 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 Low Cost Ford Expedition Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having good credit, eliminating unneeded coverage, and taking advantage of discounts. Spend time shopping around every year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a review of the coverage data touched on above.

• Drivers can save up to $160 per year simply by quoting online in advance
• Increasing deductibles could save up to $550 each year
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $390 per month if they have full coverage
• Drivers who have several accidents or serious violations pay an average of $1,480 more every year than a driver with a clean driving record

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.