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.

Average auto insurance rates for a Ford Expedition are $1,286 annually for full coverage insurance. Comprehensive costs on average $306, collision costs $506, and liability is $338. A policy with just liability insurance costs around $394 a year, with coverage for high-risk drivers costing around $2,770. Teens receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $739
• Raising to $1,000 deductibles will save around $182 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,286
• Selecting more expensive low deductibles will cost $1,644
• Drivers with serious driving violations could pay upwards of $2,770 or more
• The cost with full coverage for a 16-year-old driver with full coverage may cost $4,682

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly different between companies.

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

Saving money on insurance for a Ford Expedition consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief recap of the information covered above.

• It is possible to save as much as $160 per year simply by shopping early and online
• Youthful drivers pay higher rates, costing up to $390 per month if they have full coverage
• Increasing deductibles could save up to $550 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,480 more each year than a low-risk driver
• Insureds who require more liability protection will pay approximately $370 annually to raise from a minimum 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.