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 $1,286 a year including full coverage. Comprehensive costs an estimated $306 a year, collision costs $506, and liability insurance is $338. A policy with only liability insurance costs around $394 a year, with a high-risk policy costing around $2,770. Teen drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates broken down by type of coverage:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

These rate differences highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save approximately $1,104 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,286
• Choosing low $100 deductibles will increase the cost to $1,644
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,770 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,682

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the model of your Expedition, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes 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 More Affordable Ford Expedition Insurance

Finding better rates on Ford Expedition insurance consists of being a safe and courteous driver, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Take the time to comparison shop at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,480 more annually for auto insurance
• You may be able to save approximately $160 per year simply by quoting early and online
• Increasing policy deductibles can save around $550 each year
• Drivers who want higher levels of liability will pay about $370 per year to raise from 30/60 bodily injury limits 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.