Ford Expedition Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 4, 2023
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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 costs an estimated $306 a year, collision insurance costs $506, and liability coverage is estimated at $338. Buying just liability costs approximately $394 a year, and insurance for high-risk drivers costs around $2,770. Teenage drivers cost the most to insure at up to $4,682 a year.
Average premium for full coverage: $1,286
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Expedition trim levels.
Price Range Variability
For the normal driver, Ford Expedition insurance rates range from as cheap as $394 for liability-only coverage to a high of $2,770 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.
The examples above illustrate why it is important to get quotes for a targeted area and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates average Ford Expedition insurance rates for other coverage scenarios.
- The best discount rate is $739
- Choosing higher $1,000 deductibles can save approximately $1,104 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,286
- Using low $100 deductibles for comp and collision coverage will cost $1,644
- Drivers who are prone to accidents and violations could pay up to $2,770
- Policy cost with full coverage for a teenage driver can cost as much as $4,682 each year
Insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $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 $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $540 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,740 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,164 | -$122 | -9.5% |
| Alaska | $988 | -$298 | -23.2% |
| Arizona | $1,068 | -$218 | -17.0% |
| Arkansas | $1,286 | -$0 | 0.0% |
| California | $1,468 | $182 | 14.2% |
| Colorado | $1,228 | -$58 | -4.5% |
| Connecticut | $1,322 | $36 | 2.8% |
| Delaware | $1,456 | $170 | 13.2% |
| Florida | $1,610 | $324 | 25.2% |
| Georgia | $1,190 | -$96 | -7.5% |
| Hawaii | $926 | -$360 | -28.0% |
| Idaho | $874 | -$412 | -32.0% |
| Illinois | $958 | -$328 | -25.5% |
| Indiana | $972 | -$314 | -24.4% |
| Iowa | $868 | -$418 | -32.5% |
| Kansas | $1,224 | -$62 | -4.8% |
| Kentucky | $1,756 | $470 | 36.5% |
| Louisiana | $1,906 | $620 | 48.2% |
| Maine | $796 | -$490 | -38.1% |
| Maryland | $1,064 | -$222 | -17.3% |
| Massachusetts | $1,028 | -$258 | -20.1% |
| Michigan | $2,234 | $948 | 73.7% |
| Minnesota | $1,078 | -$208 | -16.2% |
| Mississippi | $1,544 | $258 | 20.1% |
| Missouri | $1,142 | -$144 | -11.2% |
| Montana | $1,382 | $96 | 7.5% |
| Nebraska | $1,014 | -$272 | -21.2% |
| Nevada | $1,544 | $258 | 20.1% |
| New Hampshire | $930 | -$356 | -27.7% |
| New Jersey | $1,438 | $152 | 11.8% |
| New Mexico | $1,140 | -$146 | -11.4% |
| New York | $1,354 | $68 | 5.3% |
| North Carolina | $742 | -$544 | -42.3% |
| North Dakota | $1,056 | -$230 | -17.9% |
| Ohio | $888 | -$398 | -30.9% |
| Oklahoma | $1,320 | $34 | 2.6% |
| Oregon | $1,180 | -$106 | -8.2% |
| Pennsylvania | $1,228 | -$58 | -4.5% |
| Rhode Island | $1,716 | $430 | 33.4% |
| South Carolina | $1,168 | -$118 | -9.2% |
| South Dakota | $1,086 | -$200 | -15.6% |
| Tennessee | $1,126 | -$160 | -12.4% |
| Texas | $1,552 | $266 | 20.7% |
| Utah | $952 | -$334 | -26.0% |
| Vermont | $880 | -$406 | -31.6% |
| Virginia | $772 | -$514 | -40.0% |
| Washington | $994 | -$292 | -22.7% |
| West Virginia | $1,180 | -$106 | -8.2% |
| Wisconsin | $888 | -$398 | -30.9% |
| Wyoming | $1,148 | -$138 | -10.7% |

Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Expedition SSV 2WD | $1,162 | $97 |
| Ford Expedition SSV 4WD | $1,246 | $104 |
| Ford Expedition XLT 2WD | $1,246 | $104 |
| Ford Expedition XLT 4WD | $1,286 | $107 |
| Ford Expedition Eddie Bauer 2WD | $1,330 | $111 |
| Ford Expedition Eddie Bauer 4WD | $1,330 | $111 |
| Ford Expedition Limited 2WD | $1,330 | $111 |
| Ford Expedition King Ranch 2WD | $1,372 | $114 |
| Ford Expedition King Ranch 4WD | $1,372 | $114 |
| Ford Expedition Limited 4WD | $1,372 | $114 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Expedition | $320 | $512 | $332 | $1,300 |
| 2023 Ford Expedition | $306 | $506 | $338 | $1,286 |
| 2022 Ford Expedition | $296 | $494 | $354 | $1,280 |
| 2021 Ford Expedition | $286 | $474 | $364 | $1,260 |
| 2020 Ford Expedition | $270 | $458 | $376 | $1,240 |
| 2019 Ford Expedition | $260 | $424 | $384 | $1,204 |
| 2018 Ford Expedition | $250 | $400 | $388 | $1,174 |
| 2017 Ford Expedition | $240 | $358 | $390 | $1,124 |
| 2016 Ford Expedition | $224 | $330 | $390 | $1,080 |
| 2015 Ford Expedition | $216 | $310 | $394 | $1,056 |
| 2014 Ford Expedition | $210 | $288 | $402 | $1,036 |
| 2013 Ford Expedition | $194 | $268 | $402 | $1,000 |
| 2012 Ford Expedition | $190 | $244 | $406 | $976 |
| 2011 Ford Expedition | $176 | $222 | $402 | $936 |
| 2010 Ford Expedition | $166 | $202 | $402 | $906 |
| 2009 Ford Expedition | $162 | $182 | $398 | $878 |
| 2008 Ford Expedition | $158 | $178 | $390 | $862 |
| 2007 Ford Expedition | $156 | $168 | $384 | $844 |
| 2006 Ford Expedition | $142 | $160 | $380 | $818 |
| 2005 Ford Expedition | $138 | $152 | $376 | $802 |
Rates are averaged for all Ford Expedition models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Ford Expedition Insurance
Finding cheaper rates on auto insurance takes being safe and accident-free, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a review of the coverage data presented in the illustrations above.
- It is possible to save approximately $160 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Youthful drivers are charged the highest rates, possibly costing $390 each month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations may pay on average $1,480 more annually than a low-risk driver
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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $2,944 |
| 30 | $1,350 |
| 40 | $1,286 |
| 50 | $1,174 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,644 |
| $250 | $1,480 |
| $500 | $1,286 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,286 |
| 50/100 | $1,440 |
| 100/300 | $1,524 |
| 250/500 | $1,744 |
| 100 CSL | $1,473 |
| 300 CSL | $1,659 |
| 500 CSL | $1,795 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,692 |
| 20 | $4,676 |
| 30 | $2,836 |
| 40 | $2,770 |
| 50 | $2,638 |
| 60 | $2,614 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $60 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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