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 for full coverage. Comprehensive insurance costs around $306 a year, collision insurance costs $506, and liability coverage is $338. Liability-only coverage costs around $394 a year, and high-risk coverage costs $2,770 or more. Teens pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above show why it is important to compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below shows average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $739
• Raising to $1,000 deductibles will save about $1,104 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,286
• Selecting low $100 deductibles will cost an extra $358 each year
• Unlucky drivers with serious driving violations could pay at least $2,770
• The price for full coverage for a teenage driver can be $4,682

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on your driving record, the trim level of your Expedition, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 a year, while buying higher liability limits will increase prices. Going 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 could be paying at least $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 130% more than the average 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 Cheaper Ford Expedition Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a condensed summary of the data raised in the charts and tables above.

• Consumers who may need additional liability coverage will pay approximately $370 each year to raise from a low limit to 250/500 limits
• Drivers can save up to $160 per year just by quoting early and online
• Increasing physical damage deductibles can save around $550 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $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.