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 with full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability insurance is $338. Liability-only insurance costs around $394 a year, and high-risk driver insurance costs $2,770 or more. Teen drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

The chart below details average Ford Expedition insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save around $182 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,286
• Choosing pricier low deductibles will cost an extra $358 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,770
• The price for full coverage for a teen driver for full coverage may cost $4,682

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost anywhere from 45% to 130% more than average. View High Risk Driver Rates

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 Best Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following list is a brief recap of the information presented in the illustrations above.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, costing up to $390 a month if full coverage is included
• Increasing physical damage deductibles can save around $550 each year
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,480 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay about $370 every year to raise from a low limit to 250/500 limits

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.