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.

Estimated auto insurance rates for a Ford Expedition are $1,300 annually including full coverage. Comprehensive costs approximately $320 each year, collision costs $512, and liability costs $332. Liability-only insurance costs as little as $388 a year, with high-risk driver insurance costing around $2,782. 16-year-old drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $748
• Drivers who choose higher $1,000 deductibles will pay $192 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Buying low deductibles for comprehensive and collision insurance will cost $1,662
• Higher-risk drivers with multiple tickets or accidents could pay around $2,782 or more
• An auto insurance policy with full coverage for a teen driver can cost $4,682 a year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $560 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and prices will be substantially different between companies.

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 More Affordable Ford Expedition Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having good credit, refrain from filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a summary of the information touched on above.

• You may be able to save around $160 per year simply by quoting online in advance
• Drivers age 20 and younger are the costliest to insure, with the cost nearing $390 per month if they have full coverage
• Increasing policy deductibles could save up to $550 each year
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,480 more per year to buy Ford Expedition insurance
• Policyholders who purchase increased levels of liability coverage will pay around $370 per year to go from 30/60 bodily injury limits to higher 250/500 limits

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.