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 around $306, collision costs $506, and liability coverage is estimated at $338. A policy with just liability insurance costs approximately $394 a year, with coverage for high-risk drivers costing $2,770 or more. Teenage drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates for individual coverage type:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

These examples show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using average rates.

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 discount rate is $739
• Choosing higher $1,000 deductibles can save about $182 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,286
• Using more expensive low deductibles for comp and collision coverage costs an extra $358 each year
• Drivers who are prone to accidents and violations could pay at least $2,770 or more
• The cost to insure a teenage driver with full coverage can be $4,682 each year

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $540 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $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 at least $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges around 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly 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 Shop for Low Cost Ford Expedition Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a review of the data that was touched on in this article.

• Drivers can save up to $160 per year simply by shopping early and online
• Consumers who may need higher liability limits will pay an extra $370 each year to raise limits from a minimum limit to a 250/500 level
• Teenagers are charged the highest rates, costing as high as $390 per month if full coverage is included
• Drivers who have several accidents or serious violations may pay on average $1,480 more every year for car insurance

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.