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 for full coverage insurance. Comprehensive costs an estimated $306, collision insurance costs $506, and liability is estimated at $338. Liability-only insurance costs approximately $394 a year, and high-risk driver insurance costs around $2,770. 16-year-old drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why everyone should get quotes for a targeted area, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save approximately $182 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,286
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,644
• Unlucky drivers with multiple tickets or accidents could pay up to $2,770
• The price that insures a teen driver for full coverage can cost as much as $4,682 each year

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on the model of your Expedition, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers ranges as much as 45% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection 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

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 Cheapest Ford Expedition Insurance

Getting lower rates on car insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a recap of the primary concepts that were raised in the charts and tables above.

• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Higher risk drivers that have major violations or accidents may have to pay on average $1,480 more annually to insure their Expedition
• Increasing physical damage deductibles can save approximately $550 each year
• Teen drivers have the highest car insurance prices, as much as $390 a month if full coverage is purchased

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.