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 insurance rates for a Ford Expedition are $1,280 a year for full coverage insurance. Comprehensive insurance costs around $296, collision costs $494, and liability is estimated at $354. Liability-only coverage costs approximately $406 a year, with high-risk coverage costing $2,758 or more. 16-year-old drivers cost the most to insure at $4,688 a year or more.

Average premium for full coverage: $1,280

Policy rates for type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how your location can change auto insurance rates.

The examples above illustrate why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below illustrates estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save about $178 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,280
• Buying pricier low deductibles for comp and collision coverage will cost an extra $348 annually
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,758 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $4,688 each year

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $530 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional every year, depending on your age. Ford Expedition insurance for high-risk drivers ranges from 45% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates will be varied from one company to the next.

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 the Cheapest Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition takes having a decent driving record, having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the coverage data illustrated above.

• It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $525 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $391 each month including comprehensive and collision insurance
• Drivers considered higher risk that have major violations or accidents may pay on average $1,480 more every year than a driver with a clean driving record

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.