Ford Expedition Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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.
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,560 |
$250 | $1,412 |
$500 | $1,240 |
$1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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