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 an estimated $296, collision costs $494, and liability is estimated at $354. A policy with just liability insurance costs approximately $406 a year, with coverage for high-risk drivers costing around $2,758. Teen drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured 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

Living in a larger city can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save approximately $178 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,280
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,628
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,758 or more
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,688 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges as much as 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $530 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

Where you live 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 North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and 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 More Affordable Ford Expedition Insurance

Saving money on car insurance takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a summary of the ideas that were raised in the charts and tables above.

• Teen drivers are expensive to insure, costing up to $391 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,480 more annually to insure their Expedition
• Increasing deductibles could save up to $525 each year
• It is possible to save approximately $160 per year simply by shopping early and online

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.