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 insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive costs an estimated $306, collision insurance costs $506, and liability coverage costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs around $2,770. Teenage drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

These examples highlight why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $739
• Using higher $1,000 deductibles will save approximately $182 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,286
• Using pricier low deductibles for physical damage coverage increases the price to $1,644
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,770
• The cost to insure a teenage driver for full coverage can cost as much as $4,682 or more

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $540 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers can be around 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for Cheap Ford Expedition Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a brief summary of the ideas that were touched on in this article.

• 16 to 18-year-old drivers are the costliest to insure, as much as $390 per month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations may have to pay on average $1,480 more annually than a driver with a clean driving record
• Increasing deductibles could save as much as $550 each year
• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

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.