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.
The average insurance rates for a Ford Expedition are $1,260 a year including full coverage. Comprehensive insurance costs around $286, collision costs $474, and liability coverage is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing $2,718 or more. Teens cost the most to insure at $4,644 a year or more.
Average premium for full coverage: $1,260
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Expedition trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Expedition insurance rates go from the low end price of $416 for minimum levels of liability insurance to a much higher rate of $2,718 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code, rather than using averaged prices.
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 Rate Details
The chart below breaks down estimated Ford Expedition insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $727
- Choosing higher $1,000 deductibles can save about $172 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,260
- Selecting more expensive low deductibles for comp and collision coverage will cost an additional $334 each year
- Drivers with serious driving violations could pay at least $2,718 or more
- Policy cost that insures a teenage driver with full coverage can be $4,644 each year
Auto insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 133% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,800 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be varied.
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 More Affordable Ford Expedition Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The list below is a summary of the data raised in the charts and tables above.
- Consumers who may need higher liability limits will pay approximately $400 per year to raise limits from a 30/60 limit to the 250/500 level
- You may be able to save up to $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- Teenagers are expensive to insure, with premiums being up to $387 each month if the policy includes full coverage
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.