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 insurance rates for a Ford Expedition are $1,286 a year for full coverage insurance. Comprehensive insurance costs around $306 a year, collision insurance costs $506, and liability costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance costs $2,770 or more. 16-year-old drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,286

Premium estimates for type of coverage:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $739
• Using higher $1,000 deductibles will save about $1,104 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,286
• Buying low $100 deductibles for physical damage coverage will cost an additional $358 every year
• Drivers with multiple tickets or accidents could pay at least $2,770
• An auto insurance policy that insures a teen driver can be $4,682 or more

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the trim level of your Expedition, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $540 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

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

Finding better rates on car insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the information covered above.

• It is possible to save up to $160 per year just by quoting early and online
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $390 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $550 each year
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,480 more every year to buy Ford Expedition insurance
• Policyholders who may need increased levels of liability coverage will pay around $370 annually to increase from 30/60 bodily injury limits to the 250/500 level

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.