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 around $296, collision insurance costs $494, and liability insurance is estimated at $354. Buying just liability costs approximately $406 a year, and insurance for high-risk drivers costs $2,758 or more. Teens pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist 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 has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why everyone should get quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save about $178 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,280
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $348 a year
• High-risk insureds with serious driving violations could pay at least $2,758
• The price that insures a teen driver for full coverage can be $4,688 each year

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the model of your Expedition, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,500 to $2,100 additional each year, depending on your age. Ford Expedition insurance for high-risk drivers ranges anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit

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 Cheap Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance takes being a good driver, having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates every year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a brief summary of the coverage data covered in the above illustrations.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $391 a month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,480 more every year than a safer driver

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.