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 including full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $506, and liability is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs $2,770 or more. 16-year-old drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all 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 fewer comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why everyone should get quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

The chart below breaks down average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save $182 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles for comp and collision coverage costs an additional $358 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,770
• The price with full coverage for a teen driver for full coverage can cost $4,682 each year

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Ford Expedition insurance for high-risk drivers ranges as much as 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $540 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

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 $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

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 Cheap Ford Expedition Insurance

Getting lower rates on car insurance takes having a decent driving record, having above-average credit, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a quick review of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,480 more per year than a driver with a clean driving record
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $550 each year
• Policyholders who purchase additional liability coverage will pay around $370 per year to raise limits from a low limit 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.