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

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist 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 has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how where you live affects auto insurance prices.

The ranges above highlight why all drivers should compare prices using their specific location, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $739
• Using higher $1,000 deductibles will save $182 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,286
• Buying low deductibles for physical damage coverage will cost an additional $358 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,770 or more
• The price that insures a teenage driver can cost $4,682 or more

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared 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 rates. A driver around age 40 might see prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different.

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 auto insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a recap of the concepts that were touched on in the above illustrations.

• Drivers that have major violations or accidents will likely pay on average $1,480 more per year for Expedition insurance
• Teens are the costliest to insure, possibly costing $390 a month if comprehensive and collision insurance is included
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• You may be able to save around $160 per year simply by quoting online in advance

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.