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 insurance rates for a Ford Expedition are $1,286 a year with full coverage. Comprehensive insurance costs an estimated $306, collision costs $506, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing $2,770 or more. Teenage drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below details estimated Ford Expedition insurance rates for other coverage scenarios.

• The best discount rate is $739
• Choosing higher $1,000 deductibles can save approximately $182 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,286
• Using pricier low deductibles for comp and collision coverage will cost an extra $358 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,770 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,682 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

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 $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $540 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 additional every year, depending on your age. Ford Expedition insurance for high-risk drivers ranges anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Cheap Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance takes being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the coverage data touched on in this article.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers age 16 to 20 are expensive to insure, as much as $390 each month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more annually than a safer 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.

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.