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 rates for a Ford Expedition are $1,286 a year with full coverage. Comprehensive insurance costs approximately $306, collision costs $506, and liability is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing $2,770 or more. 16-year-old drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of using rate averages.

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 and risk scenarios.

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save $182 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles will cost an extra $358 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,770 or more
• The price for full coverage for a teen driver for full coverage can cost $4,682

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance prices. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite 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

Getting lower rates on car insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop at least every other year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a quick rundown of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,480 more per year to insure a Ford Expedition
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $550 each year
• Policyholders who purchase increased liability limits will pay around $370 every year to raise from a low limit to 250/500 limits

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.