Ford Expedition Insurance Rates
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UPDATED: Dec 8, 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 $1,260 a year for full coverage. Comprehensive costs on average $286 a year, collision costs $474, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing around $2,718. Teen drivers receive the highest rates at $4,644 a year or more.
Average premium for full coverage: $1,260
Rate estimates by individual coverage type:
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 $416 for only liability insurance to a high of $2,718 for a high risk driver.
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.
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 $727
- Drivers who choose higher $1,000 deductibles will pay around $1,088 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,260
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,594
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,718 or more
- The cost for full coverage for a teen driver may cost $4,644 a year
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 $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $510 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 $327 . 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 $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% 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
|Model and Trim||Annual Premium||Monthly Premium|
|Ford Expedition SSV 2WD||$1,140||$95|
|Ford Expedition SSV 4WD||$1,220||$102|
|Ford Expedition XLT 2WD||$1,220||$102|
|Ford Expedition XLT 4WD||$1,260||$105|
|Ford Expedition Eddie Bauer 2WD||$1,300||$108|
|Ford Expedition Eddie Bauer 4WD||$1,300||$108|
|Ford Expedition Limited 2WD||$1,300||$108|
|Ford Expedition King Ranch 2WD||$1,340||$112|
|Ford Expedition King Ranch 4WD||$1,340||$112|
|Ford Expedition Limited 4WD||$1,340||$112|
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||$286||$474||$364||$1,260|
|2014 Ford Expedition||$224||$330||$390||$1,080|
|2013 Ford Expedition||$216||$310||$394||$1,056|
|2010 Ford Expedition||$190||$244||$406||$976|
|2009 Ford Expedition||$176||$222||$402||$936|
|2008 Ford Expedition||$166||$202||$402||$906|
|2007 Ford Expedition||$162||$182||$398||$878|
|2006 Ford Expedition||$158||$178||$390||$862|
|2005 Ford Expedition||$156||$168||$384||$844|
|2004 Ford Expedition||$142||$160||$380||$818|
|2003 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 $500 each year
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $400 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $387 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,460 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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$92|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.
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