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.

Average insurance rates for a Ford Expedition are $1,300 a year for full coverage insurance. Comprehensive insurance costs around $320, collision insurance costs $512, and liability coverage is estimated at $332. A policy with just liability insurance costs approximately $388 a year, and coverage for high-risk drivers costs $2,782 or more. Teenage drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.

These examples illustrate why everyone should get quotes for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save about $192 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,300
• Using pricier low deductibles for comp and collision coverage will cost an extra $362 each year
• Drivers who are prone to accidents and violations could pay at least $2,782
• The cost for full coverage for a teenage driver for full coverage can be $4,682 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $560 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $299 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. Ford Expedition insurance for high-risk drivers ranges around 45% to 129% more than a normal policy. View High Risk Driver Rates

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 Cheaper Ford Expedition Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The list below is a condensed summary of the concepts that were touched on in the above illustrations.

• Drivers with multiple at-fault accidents may pay on average $1,480 more every year for car insurance
• Teenagers are charged the highest rates, costing up to $390 per month including comprehensive and collision insurance
• It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $550 each year
• It is possible to save up to $160 per year just by quoting online well ahead of the renewal date

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.