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 $1,300 a year for full coverage. Comprehensive insurance costs approximately $320 a year, collision costs $512, and liability insurance costs $332. Buying just liability costs as little as $388 a year, with insurance for high-risk drivers costing $2,782 or more. 16-year-old drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than congested cities.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above show why it is important to compare rates using their specific location, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $748
• Drivers who choose higher $1,000 deductibles will pay $1,108 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,300
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $362 a year
• High risk drivers with multiple tickets or accidents could pay around $2,782 or more
• The price that insures a teen driver can cost $4,682 a year

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the trim level of your Expedition, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Ford Expedition insurance rates. A 40-year-old driver 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.

View Chart as Image

Opting for high physical damage deductibles could save up to $560 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different.

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 Cheap Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop every couple of years by getting quotes from direct carriers, and also from insurance agencies where you live.

Below is a brief summary of the material that was illustrated above.

• Drivers who purchase higher levels of liability will pay around $370 each year to go from a low limit to the 250/500 level
• Teenage drivers are the costliest to insure, with premiums as much as $390 a month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,480 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $550 each year

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.