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.

Average auto insurance rates for a Ford Expedition are $1,280 annually for full coverage insurance. Comprehensive costs on average $296, collision costs $494, and liability coverage costs around $354. Buying just liability costs as low as $406 a year, with insurance for high-risk drivers costing around $2,758. Teenage drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The best discount rate is $735
• Using higher $1,000 deductibles will save around $178 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,280
• Using more expensive low deductibles for physical damage coverage will cost $1,628
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,758 or more
• The cost with full coverage for a teenage driver with full coverage may cost $4,688 or more

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your risk profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can be around 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $530 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 Buy the Cheapest Ford Expedition Insurance

Saving money on auto insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a recap of the car insurance concepts touched on in this article.

• Drivers that have major violations or accidents may pay on average $1,480 more each year for auto insurance
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing deductibles could save up to $525 each year
• Consumers who require higher levels of liability will pay an extra $390 annually to increase from a minimum limit to higher 250/500 limits

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.