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

Average premium for full coverage: $1,286

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $739
• Choosing higher $1,000 deductibles can save $182 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,286
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $358 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,770
• The price with full coverage for a teen driver with full coverage can cost $4,682 each year

View Chart as Image

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

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

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury 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

The state you live in plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

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 Buy Cheap Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief summary of the data raised in the charts and tables above.

• Drivers who purchase increased levels of liability coverage will pay about $370 every year to raise limits from a low limit to higher 250/500 limits
• You may be able to save around $160 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $550 each year
• Drivers age 20 and younger pay the highest auto insurance prices, costing up to $390 a month if comprehensive and collision insurance is included

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.