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 insurance rates for a Ford Expedition are $1,280 a year including full coverage. Comprehensive insurance costs approximately $296 each year, collision insurance costs $494, and liability is estimated at $354. Liability-only insurance costs approximately $406 a year, and high-risk driver insurance costs $2,758 or more. Teenage drivers pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Expedition models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location and risk profile, instead of using average rates.

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 and risk scenarios.

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save $178 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,280
• Using low deductibles for comp and collision coverage will cost an extra $348 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,758
• The price for full coverage for a teen driver can cost $4,688 each year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $530 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

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 the Right Ford Expedition Insurance

Getting lower rates on car insurance takes being a good driver, having above-average credit, being claim-free, and attention to physical damage deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a quick rundown of the data covered in the above illustrations.

• Policyholders who purchase an increased level of liability coverage will pay an extra $390 per year to raise limits from a low limit to 250/500 limits
• You may be able to save around $160 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, possibly costing $391 a month if full coverage is included

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.