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.

Estimated auto insurance rates for a Ford Expedition are $1,286 annually with full coverage. Comprehensive costs approximately $306, collision costs $506, and liability costs $338. A policy with only liability insurance costs as little as $394 a year, with a high-risk policy costing around $2,770. 16-year-old drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.

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

These rate differences demonstrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $739
• Drivers who choose higher $1,000 deductibles will pay $182 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,644
• Higher-risk drivers with multiple tickets or accidents could pay around $2,770 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,682 a year

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. Ford Expedition insurance for high-risk drivers can cost as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $540 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes will be substantially 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 Affordable Ford Expedition Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit score, being claim-free, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data covered in the above illustrations.

• Policyholders who purchase more liability protection will pay around $370 every year to go from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $550 each year
• Youthful drivers pay the highest auto insurance prices, possibly costing $390 per month if comprehensive and collision insurance is included

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.