Ford Expedition Insurance Rates

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.

U.S. average insurance rates for a Ford Expedition are $1,300 a year for full coverage insurance. Comprehensive costs an estimated $320 each year, collision costs $512, and liability is $332. Liability-only insurance costs around $388 a year, with high-risk driver insurance costing around $2,782. Teen drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Expedition models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

The ranges above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Ford Expedition insurance rates for other coverage scenarios.

• The lowest rate with discounts is $748
• Raising to $1,000 deductibles will save approximately $192 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,300
• Choosing low deductibles will increase the cost to $1,662
• Drivers with multiple violations and an at-fault accident could pay up to $2,782 or more
• The price for full coverage for a 16-year-old driver can cost as much as $4,682

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance prices. A middle-age driver might find prices as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $560 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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.

How to Find Cheap Ford Expedition Insurance

Getting lower rates on insurance for a Ford Expedition consists of being safe and accident-free, having above-average credit, not filing small claims, and not having any coverage lapses. Invest time comparing rates at least once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief summary of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $160 per year simply by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,480 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $550 each year
• Youthful drivers have the highest car insurance prices, as much as $390 a month if full coverage is included

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.

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:

• Dodge Durango
• GMC Yukon
• Nissan Armada

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.