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 rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive costs around $306, collision insurance costs $506, and liability coverage costs $338. Buying just liability costs as little as $394 a year, and insurance for high-risk drivers costs around $2,770. 16-year-old drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates for individual coverage type:

Prices are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.

These examples highlight why everyone should compare rates for a specific zip code, rather than using rate averages.

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

Additional Charts and Tables

The chart below breaks down average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $739
• Drivers who choose higher $1,000 deductibles will pay about $182 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,286
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,644
• High-risk insureds with multiple tickets or accidents could pay at least $2,770
• The cost that insures a teenage driver for full coverage can be $4,682 a year

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on the model of your Expedition, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers can cost around 45% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

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 Affordable Ford Expedition Insurance

Saving money on auto insurance not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief review of the material that was illustrated above.

• Consumers who may need increased levels of liability coverage will pay around $370 per year to go from a minimum limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $390 per month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $1,480 more every year to buy Ford Expedition insurance
• Increasing deductibles can save approximately $550 each year

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.