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1999 Ford Expedition Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 18, 2020

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Average insurance rates for a 1999 Ford Expedition are $802 a year including full coverage. Comprehensive insurance costs approximately $138, collision insurance costs $152, and liability insurance costs $376. Buying a liability-only policy costs as little as $426 a year, and high-risk insurance costs $1,710 or more. Teenage drivers receive the highest rates at up to $3,220 a year.

Annual premium for full coverage: $802

Rate estimates for 1999 Ford Expedition Insurance

Comprehensive $138
Collision $152
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1999 Ford Expedition models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $426 for just liability coverage to the much higher price of $1,710 for a driver who has had serious violations or accidents.

Liability Only $426
Full Coverage $802
High Risk $1,710

View Chart as Image

1999 Ford Expedition insurance rates compared
Column chart showing 1999 Ford Expedition insurance prices range from $496 to $3,220 for full coverage

These differences highlight why everyone should compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1999 Ford Expedition Insurance

Searching Companies

Searching for better insurance coverage rates? Consumers have many options when looking for affordable Ford Expedition insurance. They can either spend hours calling around to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to shop for insurance coverage so you’re going to learn the proper way to get price quotes for a Ford and obtain the lowest price from both online companies and local agents.

Compare Auto Insurance Today

Getting a lower price on 1999 Ford Expedition insurance doesn’t have to be difficult. Just spend a few minutes getting comparison quotes online with multiple companies. This can be accomplished using a couple different methods.

One of the simplest ways to get quotes is to use a rate comparison form click to view form in new window. This form eliminates the need for a different quote for every auto insurance company. Completing one form will return quotes from multiple low-cost companies. This is by far the quickest method.

A less efficient way to analyze rates is spending the time to visit each company website to complete a price quote. For example, we’ll pretend you want to compare Liberty Mutual, 21st Century and State Farm. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples coverage information for each price quote. If you are comparing mixed coverages it will be impossible to determine the best price for your Ford Expedition.

Save on Ford Expedition insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some must be inquired about prior to receiving the credit. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% for Expedition insurance.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discount for New Cars – Insuring a new car can save up to 30% compared to insuring an older model.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Expedition insurance than less cautious drivers.
  • Low Mileage Discounts – Fewer annual miles on your Ford can earn a substantially lower rate.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will bring down your overall premium however.

Car insurance companies that possibly offer these discounts include:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not apply in your state.

Tailor your coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can aid in determining if your situation would benefit from professional advice.

  • Is my 1999 Ford Expedition covered for smoke damage?
  • What happens if I owe more than my 1999 Ford Expedition is worth?
  • At what point should I drop full coverage?
  • Is pleasure use cheaper than using my 1999 Ford Expedition to commute?
  • Can I make deliveries for my home business?
  • Is extra glass coverage worth it?
  • Is rental equipment covered for theft or damage?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Free Auto Insurance Comparison

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Why your Ford Expedition insurance rates may be high

Smart consumers have a good feel for the rating factors that go into determining your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

Listed below are some of the factors used by your company to calculate your rates.

  • Poor credit can mean higher rates – Credit history is a huge factor in calculating your car insurance rates. Therefore, if your credit history is not that good, you could save money insuring your 1999 Ford Expedition by spending a little time repairing your credit. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.
  • Equipment add-ons that lower car insurance rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Drive a safer car and pay less – Safer cars get lower rates. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If the Ford Expedition is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Teen drivers pay high rates – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Young drivers are statistically proven to be careless and easily distracted in a vehicle therefore car insurance rates are much higher.
  • Rates may be higher depending on your occupation – Occupations such as doctors, social workers and stock brokers tend to pay the highest rates in part from stressful work requirements and lots of time spent at work. On the other hand, jobs such as pilots, students and the unemployed have the lowest average rates for Expedition insurance.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Expedition insurance.
  • Where you live is a factor – Choosing to live in less populated areas can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Lower population means fewer accidents and a lower car theft rate.

Misconceptions in insurance coverage advertisements

Consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the ads make the same claim that you’ll save big if you move your policy.

How can each company make almost identical claims?

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured might be profiled as over the age of 40, a clean driving record, and drives newer vehicles. Any driver who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Drivers who don’t qualify for the requirements will be charged higher rates which leads to business going elsewhere. The ads say “people who switch” not “people who quote” save that much money. That’s the way companies can truthfully state the savings.

That is why drivers must get as many comparisons as possible. It’s not possible to predict which insurance coverage company will fit your personal profile best.

The coverage is in the details

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.


This will cover damage that occurs to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Expedition.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

Collision insurance will pay to fix damage to your Expedition from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like pain medications, chiropractic care, X-ray expenses, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Save for a rainy day

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. In many instances, an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cheaper 1999 Ford Expedition insurance can be bought online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance coverage companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just covered a lot of ways to get a better price on insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

More learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1999 Ford Expedition Insurance Rates by City
City Premium
New York City, NY $1,266
Los Angeles, CA $1,371
Philadelphia, PA $1,070
Jacksonville, FL $1,160
Phoenix, AZ $930
Chicago, IL $1,073
Houston, TX $1,256
Seattle, WA $779
Columbus, OH $670
Indianapolis, IN $683

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1999 Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $3,220
20 $1,816
30 $816
40 $802
50 $736
60 $722

Full coverage, $500 deductibles

Rates by Deductible

1999 Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $926
$250 $872
$500 $802
$1,000 $734

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $802
50/100 $877
100/300 $971
250/500 $1,216
100 CSL $915
300 CSL $1,122
500 CSL $1,272

Full coverage, driver age 40

Rates for High Risk Drivers

1999 Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $4,522
20 $2,886
30 $1,722
40 $1,710
50 $1,634
60 $1,614

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $104

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $40
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $46
5-yr Claim Free $49
Paid in Full/EFT $28
Advance Quote $34
Online Quote $53
Total Discounts $306
Rate after discounts $496

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1999 Ford Expedition Insurance Rates by State
State Premium
Alabama $724
Alaska $614
Arizona $664
Arkansas $802
California $914
Colorado $766
Connecticut $822
Delaware $906
Florida $1,000
Georgia $742
Hawaii $576
Idaho $544
Illinois $596
Indiana $604
Iowa $540
Kansas $760
Kentucky $1,092
Louisiana $1,186
Maine $494
Maryland $662
Massachusetts $638
Michigan $1,392
Minnesota $672
Mississippi $958
Missouri $712
Montana $860
Nebraska $630
Nevada $960
New Hampshire $580
New Jersey $896
New Mexico $710
New York $844
North Carolina $462
North Dakota $656
Ohio $554
Oklahoma $822
Oregon $734
Pennsylvania $764
Rhode Island $1,070
South Carolina $726
South Dakota $676
Tennessee $702
Texas $966
Utah $592
Vermont $546
Virginia $480
Washington $618
West Virginia $734
Wisconsin $554
Wyoming $712

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