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.

Average auto insurance rates for a Ford Expedition are $1,300 annually for full coverage. Comprehensive costs approximately $320, collision insurance costs $512, and liability insurance is estimated at $332. A policy with just liability insurance costs approximately $388 a year, and coverage for high-risk drivers costs around $2,782. 16-year-old drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.

These examples show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

The chart below shows average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $748
• Choosing higher $1,000 deductibles can save $192 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,300
• Buying more expensive low deductibles for comp and collision coverage will cost $1,662
• High-risk insureds with multiple tickets or accidents could pay around $2,782
• The cost with full coverage for a teen driver with full coverage can cost $4,682 each year

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $560 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, 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 Buy the Right Ford Expedition Insurance

Saving money on Ford Expedition insurance takes being a low-risk driver, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to shop around every year by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The items below are a quick rundown of the coverage data illustrated above.

• Drivers can save around $160 per year just by shopping early and online
• Increasing deductibles could save up to $550 each year
• Teen drivers are the costliest to insure, costing as high as $390 per month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,480 more per year to insure their Expedition

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.