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.

The average auto insurance rates for a Ford Expedition are $1,280 annually for full coverage insurance. Comprehensive insurance costs an estimated $296, collision insurance costs $494, and liability costs $354. A liability-only policy costs as little as $406 a year, and high-risk insurance costs $2,758 or more. Teen drivers cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,280

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below illustrates average Ford Expedition insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $178 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,280
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $348 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,758
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,688 a year

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Car insurance rates for a Ford Expedition also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. Ford Expedition insurance for high-risk drivers can cost as much as 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $530 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, 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 Low Cost Ford Expedition Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

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

• Higher risk drivers who have several accidents or serious violations may pay on average $1,480 more annually than a driver with a clean driving record
• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Policyholders who want additional liability coverage will pay about $390 annually to go from a 30/60 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.