Ford Expedition Insurance Rates

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her wr...

Insurance and Finance Writer

UPDATED: Jun 6, 2023

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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 insurance rates for a Ford Expedition are $1,240 a year with full coverage. Comprehensive insurance costs around $270, collision costs $458, and liability coverage is $376. A policy with only liability insurance costs around $426 a year, with a high-risk policy costing $2,676 or more. Teen drivers pay the most at $4,612 a year or more.

Average premium for full coverage: $1,240

Premium estimates for type of coverage:

Comprehensive $270
Collision $458
Liability $376

Rates include $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 different Expedition trim levels.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Ford Expedition go from as low as $426 for liability-only coverage to a much higher rate of $2,676 for a high risk driver.

Liability Only $426
Full Coverage $1,240
High Risk $2,676

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the effect of location on auto insurance rates.

Rural Areas $930
Small Cities $1,302
Large Cities $1,674

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below details estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $715
  • Raising to $1,000 deductibles will save about $166 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,240
  • Choosing more expensive low deductibles will cost an extra $320 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,676 or more
  • An auto insurance policy for full coverage for a teenage driver with full coverage can be $4,612

View Chart as Image

Ford Expedition insurance cost comparison chart
Column chart showing full coverage Ford Expedition insurance prices range from $715 to $4,612

Car insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,670 on average in Florida, Michigan, and New York.

Ford Expedition Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$120 -9.7%
Alaska $950 -$290 -23.4%
Arizona $1,028 -$212 -17.1%
Arkansas $1,240 -$0 0.0%
California $1,412 $172 13.9%
Colorado $1,182 -$58 -4.7%
Connecticut $1,272 $32 2.6%
Delaware $1,402 $162 13.1%
Florida $1,548 $308 24.8%
Georgia $1,146 -$94 -7.6%
Hawaii $890 -$350 -28.2%
Idaho $840 -$400 -32.3%
Illinois $922 -$318 -25.6%
Indiana $934 -$306 -24.7%
Iowa $834 -$406 -32.7%
Kansas $1,176 -$64 -5.2%
Kentucky $1,688 $448 36.1%
Louisiana $1,834 $594 47.9%
Maine $764 -$476 -38.4%
Maryland $1,024 -$216 -17.4%
Massachusetts $988 -$252 -20.3%
Michigan $2,152 $912 73.5%
Minnesota $1,036 -$204 -16.5%
Mississippi $1,484 $244 19.7%
Missouri $1,100 -$140 -11.3%
Montana $1,330 $90 7.3%
Nebraska $974 -$266 -21.5%
Nevada $1,484 $244 19.7%
New Hampshire $894 -$346 -27.9%
New Jersey $1,386 $146 11.8%
New Mexico $1,098 -$142 -11.5%
New York $1,304 $64 5.2%
North Carolina $714 -$526 -42.4%
North Dakota $1,016 -$224 -18.1%
Ohio $854 -$386 -31.1%
Oklahoma $1,272 $32 2.6%
Oregon $1,136 -$104 -8.4%
Pennsylvania $1,180 -$60 -4.8%
Rhode Island $1,652 $412 33.2%
South Carolina $1,122 -$118 -9.5%
South Dakota $1,046 -$194 -15.6%
Tennessee $1,084 -$156 -12.6%
Texas $1,494 $254 20.5%
Utah $916 -$324 -26.1%
Vermont $844 -$396 -31.9%
Virginia $742 -$498 -40.2%
Washington $956 -$284 -22.9%
West Virginia $1,136 -$104 -8.4%
Wisconsin $856 -$384 -31.0%
Wyoming $1,102 -$138 -11.1%

View Chart as Image

Ford Expedition insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $490 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Expedition Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Expedition SSV 2WD $1,128 $94
Ford Expedition SSV 4WD $1,202 $100
Ford Expedition XLT 2WD $1,202 $100
Ford Expedition XLT 4WD $1,240 $103
Ford Expedition Eddie Bauer 2WD $1,278 $107
Ford Expedition Eddie Bauer 4WD $1,278 $107
Ford Expedition Limited 2WD $1,278 $107
Ford Expedition King Ranch 2WD $1,316 $110
Ford Expedition King Ranch 4WD $1,316 $110
Ford Expedition Limited 4WD $1,316 $110

Rates assume 2019 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.

Ford Expedition Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Ford Expedition $270 $458 $376 $1,240
2014 Ford Expedition $216 $310 $394 $1,056
2013 Ford Expedition $210 $288 $402 $1,036
2010 Ford Expedition $176 $222 $402 $936
2009 Ford Expedition $166 $202 $402 $906
2008 Ford Expedition $162 $182 $398 $878
2007 Ford Expedition $158 $178 $390 $862
2006 Ford Expedition $156 $168 $384 $844
2005 Ford Expedition $142 $160 $380 $818
2004 Ford Expedition $138 $152 $376 $802

Rates are averaged for all Ford Expedition models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Ford Expedition Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to shop around at least every two years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a summary of the information that was covered in this article.

  • Increasing policy deductibles can save around $475 each year
  • You may be able to save up to $150 per year simply by shopping early and online
  • Consumers who may need more liability protection will pay about $410 every year to raise from 30/60 bodily injury limits to 250/500 limits
  • Youthful drivers are the costliest to insure, possibly costing $384 per month if full coverage is included
  • Drivers that have multiple accidents or serious violations pay an average of $1,440 more every year than a low-risk driver

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.

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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:

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.

Rates by Driver Age

Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $4,612
20 $2,844
30 $1,294
40 $1,240
50 $1,132
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,560
$250 $1,412
$500 $1,240
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,240
50/100 $1,391
100/300 $1,485
250/500 $1,730
100 CSL $1,429
300 CSL $1,636
500 CSL $1,786

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $6,578
20 $4,528
30 $2,734
40 $2,676
50 $2,552
60 $2,526

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $80
Paid in Full/EFT $56
Advance Quote $61
Online Quote $88
Total Discounts $525
Rate after discounts $715

Discounts are estimated and may not be available from every company or in every state.

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