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 auto insurance rates for a Ford Expedition are $1,286 annually for full coverage. Comprehensive insurance costs approximately $306 a year, collision costs $506, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing $2,770 or more. 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 by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

The chart below shows estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save $1,104 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,286
• Buying low $100 deductibles for comp and collision coverage costs an additional $358 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,770 or more
• Policy cost with full coverage for a teen driver can cost $4,682 each year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

Your home state 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 Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.

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 Affordable Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the ideas that were touched on above.

• Drivers age 16 to 20 are the costliest to insure, costing up to $390 each month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions pay on average $1,480 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers can save around $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.