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.

Estimated auto insurance rates for a Ford Expedition are $1,286 annually for full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $506, and liability costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance costs $2,770 or more. Teens pay the most at up to $4,682 a year.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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 cheapest rate after discounts is $739
• Using higher $1,000 deductibles will save $182 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Selecting more expensive low deductibles for physical damage coverage costs an additional $358 every year
• Drivers with serious driving violations could pay around $2,770
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,682 or more

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can be as much as 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,840 on average in New York, Louisiana, 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 Buy the Cheapest Ford Expedition Insurance

Finding better rates on car insurance requires being a low-risk driver, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The items below are a recap of the concepts that were covered in the above illustrations.

• Higher risk drivers that have major violations or accidents pay on average $1,480 more per year to insure their Expedition
• Teen drivers are the costliest to insure, as much as $390 per month if they have full coverage
• Drivers can save around $160 per year just by shopping early and online
• Increasing policy deductibles could save up to $550 each year
• Drivers can save around $160 per year just by shopping early and online

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.