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2009 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 2009 Ford Expedition are $1,000 a year including full coverage. Comprehensive costs on average $194 each year, collision costs $268, and liability costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,148. Teen drivers receive the highest rates at $3,878 a year or more.

Annual premium for full coverage: $1,000

Rate estimates for 2009 Ford Expedition Insurance

Comprehensive $194
Collision $268
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 go from as low as $446 for just liability coverage to a high rate of $2,148 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,000
High Risk $2,148

View Chart as Image

2009 Ford Expedition insurance rates compared
Column chart showing 2009 Ford Expedition insurance prices range from $597 to $3,878 for full coverage

These differences highlight why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

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 2009 Ford Expedition Insurance

Searching Companies

Nobody I know looks forward to buying car insurance, in particular when they are paying too much. Having so many insurance providers from which to choose, it can be impossible to pick the most cost effective provider.

It is always a good idea to shop coverage around yearly because insurance rates are usually higher with each renewal. Even if you got the best rates for Expedition coverage a couple years back you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance on the web, but we’re going to give you some solid techniques on how to put money back in your pocket.

Cut your premium with discounts

Companies do not list all their discounts very well, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you are paying more than you should be.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • No Charge for an Accident – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies who might offer these discounts include:

Check with each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Finding Insurance Coverage Deals

Most companies provide prices directly from their websites. This process is quite easy as you just type in the amount of coverage you want into the quote form. After the form is submitted, their rating system orders reports for credit and driving violations and returns a price. Quoting online helps simplify price comparisons, but the time required to go to many different websites and enter the same data into a form is monotonous and tiresome. But it is imperative to compare as many rates as possible if you are searching for a lower rate.

There is an easier way!

A quicker way to lower your rates makes use of a single form to get prices from more than one company. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. After sending the form, it is rated and you are able to buy any of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

To save time and compare rates using this form now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in the insurance coverages as shown on your current policy. Doing this guarantees you will have a fair comparison for the exact same coverage.

Free Auto Insurance Comparison

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

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What is the best insurance coverage?

When choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?
  • Why does it cost so much to insure a teen driver?
  • Are my friends covered when driving my car?
  • Can I afford low physical damage deductibles?
  • Who is covered when they drive my 2009 Ford Expedition?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

The coverage is in the details

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Collision insurance

This pays for damage to your Expedition resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, crashing into a ditch, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, theft, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Expedition.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, hospital visits, ambulance fees and pain medications. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

We just presented a lot of information how to compare 2009 Ford Expedition insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a smaller regional carrier. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

Lower-priced insurance can be bought from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

For more information, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Ford Expedition Insurance Rates by City
City Premium
New York City, NY $1,581
Los Angeles, CA $1,710
Philadelphia, PA $1,336
Jacksonville, FL $1,448
Phoenix, AZ $1,162
Chicago, IL $1,343
Houston, TX $1,565
Seattle, WA $970
Columbus, OH $832
Indianapolis, IN $852

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $3,878
20 $2,278
30 $1,028
40 $1,000
50 $918
60 $898

Full coverage, $500 deductibles

Rates by Deductible

2009 Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,110
$500 $1,000
$1,000 $894

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,000
50/100 $1,080
100/300 $1,181
250/500 $1,442
100 CSL $1,121
300 CSL $1,342
500 CSL $1,503

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $5,494
20 $3,624
30 $2,180
40 $2,148
50 $2,050
60 $2,030

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 $134

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $65
5-yr Claim Free $63
Paid in Full/EFT $39
Advance Quote $45
Online Quote $69
Total Discounts $403
Rate after discounts $597

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

Find companies with the cheapest rates in your area

2009 Ford Expedition Insurance Rates by State
State Premium
Alabama $904
Alaska $768
Arizona $830
Arkansas $1,000
California $1,140
Colorado $954
Connecticut $1,028
Delaware $1,130
Florida $1,248
Georgia $926
Hawaii $718
Idaho $678
Illinois $746
Indiana $754
Iowa $674
Kansas $950
Kentucky $1,364
Louisiana $1,480
Maine $618
Maryland $826
Massachusetts $798
Michigan $1,736
Minnesota $838
Mississippi $1,198
Missouri $888
Montana $1,074
Nebraska $788
Nevada $1,200
New Hampshire $722
New Jersey $1,120
New Mexico $884
New York $1,054
North Carolina $576
North Dakota $822
Ohio $688
Oklahoma $1,024
Oregon $916
Pennsylvania $954
Rhode Island $1,334
South Carolina $906
South Dakota $844
Tennessee $874
Texas $1,204
Utah $740
Vermont $684
Virginia $598
Washington $770
West Virginia $916
Wisconsin $690
Wyoming $890

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