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.

Estimated insurance rates for a Ford Expedition are $1,300 a year with full coverage. Comprehensive costs around $320, collision costs $512, and liability coverage is estimated at $332. Liability-only insurance costs approximately $388 a year, with high-risk driver insurance costing around $2,782. Teenage drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,300

Premium estimates for type of coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

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

These rate differences demonstrate why everyone should get quotes for a specific zip code and risk profile, rather than using average rates.

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

Additional Rate Details

The chart below details estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save about $192 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,300
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,662
• Drivers who are prone to accidents and violations could pay at least $2,782 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can be $4,682 each year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you choose to live 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $560 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional annually, depending on your age. Ford Expedition insurance for high-risk drivers ranges around 45% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices will be substantially different 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 the Right Ford Expedition Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the primary concepts that were touched on in this article.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Drivers with reckless driving or DUI convictions pay an average of $1,480 more every year for auto insurance
• Increasing policy deductibles can save around $550 each year
• Teenage drivers are charged the highest prices, possibly costing $390 per month including comprehensive and collision 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.