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.

U.S. average insurance rates for a Ford Expedition are $1,280 a year including full coverage. Comprehensive insurance costs approximately $296 a year, collision insurance costs $494, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,758 or more. Teen drivers pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location and risk profile, rather than relying on price averages.

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

More Rate Details

The chart below breaks down average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save $1,102 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,280
• Choosing low $100 deductibles for physical damage coverage will cost an extra $348 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,758
• The price for full coverage for a teen driver can cost $4,688 or more

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on your driving record, the model of your Expedition, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $530 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 131% more than average. View High Risk Driver Rates

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 Cheap Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance requires being a safe and courteous driver, having good credit, being claim-free, and possibly higher deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a brief summary of the data that was covered above.

• You may be able to save around $160 per year just by quoting early and online
• Drivers who purchase higher levels of liability will pay about $390 per year to increase from a low limit to 250/500 limits
• Teenage drivers have the highest car insurance prices, possibly costing $391 a month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,480 more per year for auto insurance

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.