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.

Average insurance rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive costs around $306, collision costs $506, and liability coverage costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing around $2,770. Teen drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates for individual coverage type:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

These examples highlight why everyone should compare prices for a specific zip code and risk profile, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $739
• Using higher $1,000 deductibles will save about $182 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,286
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,644
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,770 or more
• The cost for full coverage for a teenage driver for full coverage can be $4,682 or more

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the model of your Expedition, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. Ford Expedition insurance for high-risk drivers can be around 45% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes can be significantly 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 the Cheapest Ford Expedition Insurance

Saving money on auto insurance requires being a low-risk driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at least once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Drivers that have major violations or accidents pay on average $1,480 more every year to insure their Expedition
• Increasing deductibles can save around $550 each year
• Teen drivers are the costliest to insure, as much as $390 per 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.