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 prices for a Ford Expedition are $1,300 every 12 months for full coverage insurance. Comprehensive costs around $320 a year, collision insurance costs $512, and liability costs around $332. Liability-only insurance costs as low as $388 a year, and high-risk driver insurance costs around $2,782. 16-year-old drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $748
• Using higher $1,000 deductibles will save about $1,108 each year
• The average price for the average middle-age driver using $500 deductibles is $1,300
• Buying low $100 deductibles for physical damage coverage increases the price to $1,662
• Drivers with multiple tickets or accidents could pay at least $2,782
• The price to insure a teen driver can be $4,682 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $560 every year, while buying higher liability limits will increase prices. Switching from a 50/100 liability 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

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 129% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Cheaper Ford Expedition Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the information touched on above.

• It is possible to save up to $160 per year just by quoting early and online
• 16 to 18-year-old drivers are the costliest to insure, as much as $390 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $550 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,480 more every year than a driver with a clean driving record
• Policyholders who may need additional liability coverage will pay around $370 annually to increase from a low limit to a 250/500 level

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.