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.

Average insurance rates for a Ford Expedition are $1,300 a year including full coverage. Comprehensive costs around $320 a year, collision insurance costs $512, and liability costs $332. Liability-only coverage costs as little as $388 a year, and high-risk coverage costs around $2,782. Teen drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay about $1,108 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,300
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,662
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,782
• The cost that insures a teen driver can be $4,682 a year

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 129% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live 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 Missouri, New Hampshire, and Vermont, or as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $560 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 extra every 12 months. 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 the Right Ford Expedition Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a quick rundown of the information touched on in this article.

• You may be able to save up to $160 per year just by quoting early and online
• Youthful drivers are the costliest to insure, as much as $390 per month if full coverage is purchased
• Increasing deductibles can save approximately $550 each year
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,480 more every year than a low-risk driver
• Policyholders who may need more liability protection will pay about $370 per year to go from a minimum limit 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.