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 insurance prices for a Ford Expedition are $1,286 every 12 months with full coverage. Comprehensive insurance costs an estimated $306, collision costs $506, and liability coverage is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing $2,770 or more. 16-year-old drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

Includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have more infrequent collision claims than congested cities.

The example below illustrates how geographic area affects insurance prices.

These examples demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using rate averages.

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

More Rate Information

The chart below details estimated Ford Expedition insurance rates for other coverage scenarios.

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save approximately $182 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,286
• Buying pricier low deductibles costs an extra $358 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,770 or more
• The cost to insure a teenage driver for full coverage can cost as much as $4,682

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $540 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 extra per year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost around 45% to 130% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Ford Expedition insurance rates. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different.

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 Shop for the Cheapest Ford Expedition Insurance

Saving money on auto insurance consists of having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $550 each year
• Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $390 per month if the policy includes full coverage
• Drivers that have major violations or accidents may pay on average $1,480 more annually to buy Ford Expedition 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.