Ford Expedition Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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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.

Average insurance rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive costs on average $296 a year, collision costs $494, and liability insurance costs $354. A liability-only policy costs as little as $406 a year, with high-risk insurance costing around $2,758. Teen drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Comprehensive $296
Collision $494
Liability $354

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Expedition trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $406 for only liability insurance to a high of $2,758 for a high risk driver.

Liability Only $406
Full Coverage $1,280
High Risk $2,758

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $960
Small Cities $1,344
Large Cities $1,728

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $735
  • Drivers who choose higher $1,000 deductibles will pay around $1,102 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,280
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,628
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,758 or more
  • The cost for full coverage for a teen driver may cost $4,688 a year

View Chart as Image

Ford Expedition insurance cost comparison chart
Column chart showing full coverage Ford Expedition insurance rates range from $735 to $4,688

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

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

Ford Expedition Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,156 -$124 -9.7%
Alaska $984 -$296 -23.1%
Arizona $1,062 -$218 -17.0%
Arkansas $1,280 -$0 0.0%
California $1,460 $180 14.1%
Colorado $1,220 -$60 -4.7%
Connecticut $1,314 $34 2.7%
Delaware $1,448 $168 13.1%
Florida $1,598 $318 24.8%
Georgia $1,182 -$98 -7.7%
Hawaii $920 -$360 -28.1%
Idaho $868 -$412 -32.2%
Illinois $952 -$328 -25.6%
Indiana $964 -$316 -24.7%
Iowa $862 -$418 -32.7%
Kansas $1,216 -$64 -5.0%
Kentucky $1,744 $464 36.3%
Louisiana $1,894 $614 48.0%
Maine $790 -$490 -38.3%
Maryland $1,056 -$224 -17.5%
Massachusetts $1,020 -$260 -20.3%
Michigan $2,220 $940 73.4%
Minnesota $1,072 -$208 -16.3%
Mississippi $1,532 $252 19.7%
Missouri $1,138 -$142 -11.1%
Montana $1,374 $94 7.3%
Nebraska $1,008 -$272 -21.3%
Nevada $1,536 $256 20.0%
New Hampshire $922 -$358 -28.0%
New Jersey $1,432 $152 11.9%
New Mexico $1,132 -$148 -11.6%
New York $1,346 $66 5.2%
North Carolina $736 -$544 -42.5%
North Dakota $1,048 -$232 -18.1%
Ohio $882 -$398 -31.1%
Oklahoma $1,312 $32 2.5%
Oregon $1,174 -$106 -8.3%
Pennsylvania $1,220 -$60 -4.7%
Rhode Island $1,708 $428 33.4%
South Carolina $1,160 -$120 -9.4%
South Dakota $1,080 -$200 -15.6%
Tennessee $1,120 -$160 -12.5%
Texas $1,542 $262 20.5%
Utah $948 -$332 -25.9%
Vermont $874 -$406 -31.7%
Virginia $766 -$514 -40.2%
Washington $988 -$292 -22.8%
West Virginia $1,174 -$106 -8.3%
Wisconsin $884 -$396 -30.9%
Wyoming $1,138 -$142 -11.1%

View Chart as Image

Ford Expedition insurance rates by U.S. city

Choosing high deductibles could save up to $530 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly 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 $1,158 $97
Ford Expedition SSV 4WD $1,240 $103
Ford Expedition XLT 2WD $1,240 $103
Ford Expedition XLT 4WD $1,280 $107
Ford Expedition Eddie Bauer 2WD $1,322 $110
Ford Expedition Eddie Bauer 4WD $1,322 $110
Ford Expedition Limited 2WD $1,322 $110
Ford Expedition King Ranch 2WD $1,362 $114
Ford Expedition King Ranch 4WD $1,362 $114
Ford Expedition Limited 4WD $1,362 $114

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 $296 $494 $354 $1,280
2014 Ford Expedition $240 $358 $390 $1,124
2013 Ford Expedition $224 $330 $390 $1,080
2010 Ford Expedition $194 $268 $402 $1,000
2009 Ford Expedition $190 $244 $406 $976
2008 Ford Expedition $176 $222 $402 $936
2007 Ford Expedition $166 $202 $402 $906
2006 Ford Expedition $162 $182 $398 $878
2005 Ford Expedition $158 $178 $390 $862
2004 Ford Expedition $156 $168 $384 $844
2003 Ford Expedition $142 $160 $380 $818
2002 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

Saving money on Ford Expedition insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $390 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $391 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,480 more each year for insurance

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 $4,688
20 $2,930
30 $1,340
40 $1,280
50 $1,168
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,468
$500 $1,280
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,280
50/100 $1,433
100/300 $1,521
250/500 $1,751
100 CSL $1,468
300 CSL $1,663
500 CSL $1,805

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $6,702
20 $4,660
30 $2,824
40 $2,758
50 $2,626
60 $2,602

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 $176

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $83
Paid in Full/EFT $59
Advance Quote $63
Online Quote $92
Total Discounts $545
Rate after discounts $735

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

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