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 rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $506, and liability costs around $338. Liability-only coverage costs as low as $394 a year, and high-risk coverage costs $2,770 or more. Teenage drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Expedition models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why all drivers should compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $739
• Using higher $1,000 deductibles will save $182 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,286
• Using low deductibles for physical damage coverage will cost an extra $358 every year
• Drivers who are prone to accidents and violations could pay around $2,770
• The price for full coverage for a teen driver can cost $4,682 or more

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on your driving record, the model of your Expedition, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

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 $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

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

Getting lower rates on car insurance requires having a decent driving record, having good credit, being claim-free, and possibly higher deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a recap of the primary concepts that were covered above.

• You may be able to save around $160 per year just by quoting online in advance
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,480 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $550 each year
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $390 a month if they have full coverage

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.