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.

U.S. average auto insurance rates for a Ford Expedition are $1,286 annually with full coverage. Comprehensive costs an estimated $306, collision costs $506, and liability is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing around $2,770. Teenage drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The example below illustrates how where you live affects insurance prices.

The ranges above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $739
• Raising to $1,000 deductibles will save approximately $182 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,286
• Using pricier low deductibles will cost $1,644
• At-risk drivers who are prone to accidents and violations could pay up to $2,770 or more
• The price with full coverage for a teen driver for full coverage can cost as much as $4,682

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

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

The state you live in also has a big influence on Ford Expedition insurance prices. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite 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 Best Cheap Ford Expedition Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the concepts that were touched on in the above illustrations.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,480 more annually for auto insurance
• Teenage drivers have the highest car insurance prices, costing up to $390 a month if comprehensive and collision insurance is included
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $550 each year
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date

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.