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 including full coverage. Comprehensive insurance costs on average $296, collision costs $494, and liability insurance costs $354. A policy with just liability insurance costs as little as $406 a year, with coverage for high-risk drivers costing $2,758 or more. Teenage drivers pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay around $178 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,280
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $348 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,758 or more
• The price for full coverage for a teen driver with full coverage may cost $4,688 a year

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on your driving record, the model of your Expedition, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $530 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 Cheap Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance not only requires having a decent driving record, but also maintaining good credit, being claim-free, and bundling your home and auto policies. Invest the time to shop around every other policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief summary of the ideas that were illustrated above.

• 16 to 18-year-old drivers pay the highest prices, possibly costing $391 a month for full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $525 each year
• You may be able to save as much as $160 per year simply by shopping early and online

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.