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 $1,300 annually with full coverage. Comprehensive costs on average $320, collision insurance costs $512, and liability costs $332. Liability-only coverage costs as little as $388 a year, and high-risk coverage costs around $2,782. 16-year-old drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $748
• Drivers who choose higher $1,000 deductibles will pay around $192 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,300
• Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,662
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,782
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,682 a year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your driving record, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost as much as 45% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $560 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $299 more per year. View Rates by Deductible or Liability Limit

Where you choose to live 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 New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

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 Best Cheap Ford Expedition Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and determing if full coverage is necessary. Set aside time to compare rates at every other renewal by quoting rates from direct companies, and also from local independent and exclusive agents.

The following items are a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,480 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest prices, possibly costing $390 per month including comprehensive and collision insurance
• You may be able to save as much as $160 per year just by shopping early and online
• Increasing policy deductibles could save up to $550 each year
• You may be able to save as much as $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.