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.

Estimated insurance rates for a Ford Expedition are $1,286 a year for full coverage insurance. Comprehensive costs approximately $306 a year, collision costs $506, and liability is estimated at $338. A liability-only policy costs approximately $394 a year, with high-risk insurance costing around $2,770. Teen drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Rates are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why it is important to get quotes using their specific location, instead of using price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $739
• Choosing higher $1,000 deductibles can save $1,104 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,644
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,770 or more
• An auto insurance policy that insures a teen driver can cost $4,682 each year

View Chart as Image

Auto insurance prices for a Ford Expedition also have a wide range based on the trim level of your Expedition, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to 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 $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially 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 the Best Cheap Ford Expedition Insurance

Finding better rates on car insurance takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

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

• Teen drivers have the highest car insurance prices, with premiums being up to $390 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,480 more per year to insure their Expedition
• Increasing policy deductibles can save approximately $550 each year
• It is possible to save around $160 per year simply by quoting 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.