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 auto insurance rates for a Ford Expedition are $1,300 annually including full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $512, and liability costs $332. Buying just liability costs as little as $388 a year, and insurance for high-risk drivers costs $2,782 or more. Teenage drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

The ranges above highlight why everyone should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below breaks down average Ford Expedition insurance rates for other coverage scenarios.

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $192 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,300
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $362 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,782
• The price with full coverage for a teen driver for full coverage can cost as much as $4,682 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 additional each year, depending on your age. Ford Expedition insurance for high-risk drivers can cost as much as 45% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $560 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit

The state you live in 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 be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Low Cost Ford Expedition Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and possibly raising deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a review of the ideas that were touched on in this article.

• Teenagers are expensive to insure, possibly costing $390 a month if they have full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,480 more annually for car insurance
• Increasing physical damage deductibles could save up to $550 each year
• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

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.