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 including full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $506, and liability insurance is estimated at $338. A policy with only liability insurance costs approximately $394 a year, and a high-risk policy costs $2,770 or more. Teenage drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

These rate differences highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

The chart below breaks down average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best discount rate is $739
• Choosing higher $1,000 deductibles can save $182 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Using low deductibles for comp and collision coverage costs an additional $358 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,770
• An auto insurance policy with full coverage for a teen driver can cost $4,682 each 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 characteristics, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher 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 are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will push prices upward. Changing 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 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 be forced to pay as much as $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 Buy the Best Cheap Ford Expedition Insurance

Finding better rates on Ford Expedition insurance takes being a safe and courteous driver, having a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

Below is a quick review of the concepts that were touched on in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,480 more per year for auto insurance
• Teenage drivers pay the highest auto insurance prices, with the cost nearing $390 per month if comprehensive and collision insurance is included
• You may be able to save around $160 per year just by quoting online in advance
• Increasing policy deductibles could save up to $550 each year
• You may be able to save around $160 per year just 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.