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 prices for a Ford Expedition are $1,300 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $320, collision insurance costs $512, and liability costs $332. Buying just liability costs as little as $388 a year, and insurance for high-risk drivers costs $2,782 or more. Teens pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below illustrates average Ford Expedition insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $192 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,300
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $362 annually
• Drivers with serious driving violations could pay up to $2,782
• The price to insure a 16-year-old driver with full coverage can cost as much as $4,682 a year

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Insurance prices for a Ford Expedition are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost from 45% to 129% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,750 on average in Florida, New York, and Michigan.

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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 Shop for the Best Ford Expedition Insurance

Getting lower rates on insurance for a Ford Expedition not only requires having a good driving record, but also having above-average credit, not filing small claims, and possibly raising deductibles. Make time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the coverage data touched on in this article.

• It is possible to save approximately $160 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers age 20 and younger are expensive to insure, as much as $390 a month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,480 more annually to buy Ford Expedition insurance

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.