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 $1,280 a year for full coverage insurance. Comprehensive insurance costs on average $296 a year, collision costs $494, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing $2,758 or more. 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location, rather than relying on average rates.

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

More Rate Details

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 $1,102 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,280
• Using low $100 deductibles for physical damage coverage will cost an additional $348 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,758 or more
• The cost that insures a teen driver may cost $4,688 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age

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

Using high physical damage deductibles could cut rates by as much as $530 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, 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 Find Cheap Ford Expedition Insurance

Saving money on Ford Expedition insurance requires having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the coverage data covered in the charts and tables above.

• It is possible to save as much as $160 per year simply by quoting early and online
• Increasing deductibles can save approximately $525 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $391 per month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more each 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.