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.

The average auto insurance rates for a Ford Expedition are $1,280 annually for full coverage insurance. Comprehensive insurance costs on average $296 each year, collision costs $494, and liability coverage costs around $354. Buying just liability costs as low as $406 a year, with insurance for high-risk drivers costing $2,758 or more. Teen drivers cost the most to insure at $4,688 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save around $178 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,280
• Choosing low deductibles for physical damage coverage costs an additional $348 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,758 or more
• Policy cost with full coverage for a teenage driver may cost $4,688 or more

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be around 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $530 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

Your home state 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 Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be varied 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 More Affordable Ford Expedition Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and bundling your home and auto policies. Take the time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a summary of the data that was covered in the above illustrations.

• It is possible to save as much as $160 per year simply by quoting online in advance
• Consumers who require higher levels of liability will pay about $390 annually to increase from a 30/60 limit to higher 250/500 limits
• Teenage drivers pay the highest rates, possibly costing $391 each month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may pay on average $1,480 more each year for auto insurance

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.