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 for full coverage. Comprehensive costs around $320 each year, collision costs $512, and liability coverage is $332. A policy with just liability insurance costs around $388 a year, with coverage 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 for individual coverage:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Expedition models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

The ranges above show why all drivers should compare rates quotes for a specific zip code, rather than using rate averages.

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

More Rate Details

The chart below shows estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $748
• Raising to $1,000 deductibles will save about $192 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,300
• Buying low deductibles bumps up the cost to $1,662
• Unlucky drivers with multiple tickets or accidents could pay at least $2,782 or more
• The price that insures a teenage driver can be $4,682

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $860 a year in states like Idaho, Maine, and Iowa, or at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $560 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so the 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 Low Cost Ford Expedition Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every time your policy renews by quoting rates from direct carriers, and also from several local insurance agents.

Below is a review of the information touched on above.

• Drivers can save up to $160 per year simply by quoting online in advance
• Teenage drivers pay higher prices, with premiums as much as $390 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers who have several accidents or serious violations pay on average $1,480 more every year for auto insurance
• Consumers who may need higher levels of liability will pay around $370 each year to raise from a low limit to the 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.