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

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Expedition models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save $178 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,280
• Selecting low deductibles for physical damage coverage will cost an additional $348 annually
• High-risk insureds with serious driving violations could pay around $2,758 or more
• The price that insures a 16-year-old driver can 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 age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 45% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $530 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection 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

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, so rate quotes may be quite different.

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

Getting lower rates on insurance for a Ford Expedition requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare rates at every other renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a brief review of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,480 more per year to insure their Expedition
• Teen drivers pay the highest auto insurance prices, costing up to $391 a month if full coverage is purchased
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• You may be able to save around $160 per year simply by quoting online in advance

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.