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.

The average auto insurance rates for a Ford Expedition are $1,286 annually for full coverage insurance. Comprehensive insurance costs approximately $306 a year, collision insurance costs $506, and liability is $338. Liability-only coverage costs around $394 a year, and high-risk coverage costs $2,770 or more. Teen drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save $1,104 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,286
• Choosing low $100 deductibles costs an additional $358 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,770
• Policy cost with full coverage for a 16-year-old driver can cost $4,682

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $540 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,740 on average in Florida, 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 Cheaper Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition consists of being a low-risk driver, having good credit, being claim-free, and consideration of higher deductibles. Spend time shopping around once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the data that was touched on above.

• It is possible to save around $160 per year just by quoting early and online
• Insureds who purchase more liability coverage will pay about $370 annually to raise from a 30/60 limit to higher 250/500 limits
• Teen drivers are the costliest to insure, possibly costing $390 each month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,480 more per year to insure their Expedition

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.