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.

The average auto insurance rates for a Ford Expedition are $1,286 annually for full coverage insurance. Comprehensive insurance costs an estimated $306 each year, collision insurance costs $506, and liability costs $338. Liability-only insurance costs as little as $394 a year, and high-risk driver insurance costs $2,770 or more. Teenage drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay approximately $182 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,286
• Using low deductibles for comprehensive and collision insurance costs an additional $358 annually
• Drivers who are prone to accidents and violations could pay up to $2,770
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,682 a year

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $540 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,740 on average in Florida, New York, and Michigan.

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 Buy the Cheapest Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition not only requires being a low-risk driver, but also having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the data that was illustrated above.

• It is possible to save approximately $160 per year just by quoting online in advance
• Insureds who want more liability coverage will pay an extra $370 annually to go from a 30/60 limit to higher 250/500 limits
• Teen drivers are the costliest to insure, possibly costing $390 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,480 more annually to insure their Expedition

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.