2010 Ford Expedition Insurance Rates
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UPDATED: Mar 18, 2020
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Average insurance rates for a 2010 Ford Expedition are $1,036 a year for full coverage insurance. Comprehensive costs an estimated $210 a year, collision costs $288, and liability insurance costs around $402. Buying a liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,226. Teenage drivers receive the highest rates at $3,982 a year or more.
Annual premium for full coverage: $1,036
Rate estimates for 2010 Ford Expedition Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 middle-aged driver, prices range go from as low as $446 for the bare minimum liability coverage to a high of $2,226 for a high risk driver.
These differences illustrate why it is important for drivers to compare prices for a targeted area 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 2010 Ford Expedition Insurance
Trying to find cheaper insurance rates for your Ford Expedition? No one cherishes buying insurance, especially knowing the cost is too high. Popular companies such as Progressive, State Farm and GEICO constantly bombard you with TV and radio ads and it can be hard to ignore the promise of big savings and find the best price available.
Consumers should take time to price shop coverage on a regular basis because prices fluctuate regularly. Despite the fact that you may have had the best price on Expedition insurance on your last policy you may be paying too much now. So block out anything you think you know about insurance because you’re going to get a crash course in the right way to reduce your cost while increasing coverage.
If you have insurance now or are just looking to switch companies, you will benefit by learning to find the best rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand how to compare company rates on the web.
Automobile Insurance Quotes
Comparing car insurance rates can be challenging if you don’t utilize the most efficient way. You can spend countless hours driving to local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.
Many insurance companies participate in an industry program that enables customers to enter their policy data once, and at least one company returns a rated price based on that information. This eliminates the need for quote forms for each company you want a rate for.
To find out how much you can save on car insurance click here to open in new window.
The one disadvantage to using this type of form is you are unable to specify the providers to get quotes from. So if you prefer to pick from a list of companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.
It’s up to you which method you use, but make darn sure you compare apples-to-apples coverages for each comparison quote. If your comparisons have different values for each quote it’s not possible to determine the best price for your Ford Expedition.
Pay less for Ford Expedition insurance
Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at quote time, but some must be specifically requested prior to getting the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.
- Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
- Homeowners Pay Less – Simply owning a home can save you money because owning a home is proof that your finances are in order.
- Paperless Signup – A few companies will give a small break just for signing your application on their website.
- Federal Government Employee – Active or retired federal employment can save as much as 8% on Expedition insurance with select insurance companies.
- New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
- Accident Free – Claim-free drivers can earn big discounts compared to frequent claim filers.
- Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Organization Discounts – Belonging to certain professional organizations could qualify you for a break on your policy on Expedition insurance.
Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.
For a list of insurers offering insurance coverage discounts, click this link.
Free Auto Insurance Comparison
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Tailor your coverage to you
When it comes to choosing adequate coverage, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.
- What happens if I owe more than my 2010 Ford Expedition is worth?
- Does my liability insurance cover pulling a trailer or camper?
- Does having multiple vehicles earn me a discount?
- What is PIP insurance?
- Are rock chip repairs covered?
- When do I need to add a new car to my policy?
If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Insurance coverage considerations
Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.
Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability insurance – This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like medical services, funeral expenses, repair costs for stationary objects, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Expedition.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.
Coverage for medical payments – Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, ambulance fees and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision – This pays for damage to your Expedition from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as scraping a guard rail, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Rates by U.S. City
|New York City, NY||$1,638|
|Los Angeles, CA||$1,770|
Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$68|
|5-yr Claim Free||$66|
|Paid in Full/EFT||$41|
Discounts are estimated and may not be available from every company or in every state.