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.

The average insurance rates for a Ford Expedition are $1,286 a year with full coverage. Comprehensive costs an estimated $306 a year, collision costs $506, and liability costs $338. Buying just liability costs as little as $394 a year, with insurance for high-risk drivers costing around $2,770. 16-year-old drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, instead of using rate averages.

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

Additional Rate Analysis

The chart below details estimated Ford Expedition insurance rates for other coverage scenarios.

• The best full coverage rate is $739
• Drivers who choose higher $1,000 deductibles will pay approximately $1,104 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,286
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,644
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,770 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,682 a year

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.

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

Finding cheaper rates on car insurance not only requires being a good driver, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the ideas that were covered above.

• Drivers age 16 to 20 are charged the highest rates, as much as $390 each month for full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,480 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $550 each year
• You may be able to save approximately $160 per year simply by quoting 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.