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 auto insurance rates for a Ford Expedition are $1,280 annually for full coverage insurance. Comprehensive insurance costs around $296 a year, collision insurance costs $494, and liability is $354. A policy with only liability insurance costs around $406 a year, and a high-risk policy costs $2,758 or more. Teenage drivers pay the most at up to $4,688 a year.

Average premium for full coverage: $1,280

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP 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

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best discount rate is $735
• Raising to $1,000 deductibles will save about $1,102 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,280
• Using low $100 deductibles costs an additional $348 annually
• Drivers who are prone to accidents and violations could pay at least $2,758
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,688

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your risk profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $530 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find prices 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

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 Ford Expedition Insurance

Finding better rates on insurance for a Ford Expedition consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies, and also from several local insurance agents.

The points below are a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,480 more every year to insure a Ford Expedition
• It is possible to save up to $160 per year just by quoting early and online
• Increasing policy deductibles could save up to $525 each year
• Insureds who may need increased liability limits will pay an extra $390 annually to raise from 30/60 bodily injury limits to higher 250/500 limits

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.