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 for full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $506, and liability coverage is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs $2,770 or more. 16-year-old drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities. The price range example below illustrates the difference location can make on auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save $182 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,286
• Buying more expensive low deductibles costs an extra $358 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,770
• The cost to insure a teenage driver with full coverage can cost $4,682

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Expedition.

Opting for high physical damage deductibles can reduce rates by up to $540 a year, while increasing your policy's liability limits will push rates upward. Going 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

An older driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 130% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Ford Expedition insurance rates. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

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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 consists of not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the information touched on in this article.

• Drivers can save around $160 per year just by shopping early and online
• Teens have the highest car insurance rates, costing as high as $390 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $550 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,480 more per year for Expedition insurance
• Consumers who purchase higher liability limits will pay around $370 each year to raise from a minimum limit to a 250/500 level

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.