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 insurance rates for a Ford Expedition are $1,300 a year for full coverage. Comprehensive costs on average $320 a year, collision costs $512, and liability is $332. Liability-only coverage costs around $388 a year, with high-risk coverage costing around $2,782. Teens pay the most at $4,682 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below shows estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save around $1,108 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,300
• Selecting low $100 deductibles will increase the cost to $1,662
• At-risk drivers with serious driving violations could pay upwards of $2,782 or more
• An auto insurance policy for full coverage for a teen driver may cost $4,682

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $560 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $299 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 129% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, so the prices will be substantially different 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 the Cheapest Ford Expedition Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around every other policy renewal by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below is a recap of the ideas that were illustrated above.

• Teenage drivers pay the highest prices, as much as $390 per month for full coverage
• Higher risk drivers that have major violations or accidents will pay on average $1,480 more each year for auto insurance
• Increasing policy deductibles can save around $550 each year
• Drivers can save as much as $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.