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 with full coverage. Comprehensive costs approximately $306, collision costs $506, and liability costs $338. Buying just liability costs as little as $394 a year, with insurance for high-risk drivers costing around $2,770. 16-year-old drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.

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

These examples demonstrate why everyone should compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below details estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $739
• Drivers who choose higher $1,000 deductibles will pay $182 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,644
• Drivers with multiple tickets or accidents could pay around $2,770 or more
• The cost for full coverage for a 16-year-old driver for full coverage can cost $4,682 a year

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers can cost from 45% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and quoted rates 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 Best Cheap Ford Expedition Insurance

Saving money on insurance for a Ford Expedition not only requires having a good driving record, but also having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a quick review of the data that was covered in the charts and tables above.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase increased levels of liability coverage will pay around $370 every year to go from a minimum limit to 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $390 per month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,480 more per year to buy Ford Expedition insurance

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.