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 prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive costs an estimated $306 each year, collision insurance costs $506, and liability coverage is estimated at $338. Liability-only insurance costs approximately $394 a year, and high-risk driver insurance costs around $2,770. Teens pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Expedition models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Information

The chart below breaks down average Ford Expedition insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $739
• Choosing higher $1,000 deductibles can save approximately $182 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,286
• Selecting low deductibles for comp and collision coverage increases the price to $1,644
• Drivers with serious driving violations could pay up to $2,770
• The price to insure a teenage driver can cost as much as $4,682 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges around 45% to 130% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for Cheap Ford Expedition Insurance

Getting lower rates on auto insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief summary of the data that was covered above.

• You may be able to save approximately $160 per year just by quoting online in advance
• Consumers who want additional liability coverage will pay approximately $370 per year to raise limits from a low limit to a 250/500 level
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $390 a month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations may have to pay on average $1,480 more annually 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.