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 with full coverage. Comprehensive costs on average $320, collision costs $512, and liability insurance costs around $332. Buying just liability costs as low as $388 a year, with insurance for high-risk drivers costing around $2,782. 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:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on rate averages.

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

Additional Rate Details

The chart below details estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $748
• Using higher $1,000 deductibles will save around $192 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,300
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,662
• Drivers with multiple tickets or accidents could pay upwards of $2,782 or more
• The price that insures a teen driver with full coverage may cost $4,682 or more

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can be anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates

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

The state you live in has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $560 each year, while increasing your policy's liability limits will cost you more. Moving 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 best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each insurance 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 Cheaper Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The list below is a condensed summary of the data covered in the charts and tables above.

• Drivers who require higher liability limits will pay around $370 every year to increase from a low limit to the 250/500 level
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $550 each year
• Teenagers pay higher 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.