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 insurance rates for a Ford Expedition are $1,286 a year for full coverage insurance. Comprehensive costs around $306 each year, collision costs $506, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing around $2,770. Teen drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates for type of coverage:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why all drivers should get quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $739
• Choosing higher $1,000 deductibles can save about $182 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,286
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,644
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,770 or more
• An auto insurance policy for full coverage for a teen driver can be $4,682 each year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $540 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $304 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 Cheaper Ford Expedition Insurance

Finding better rates on Ford Expedition insurance takes having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the data covered above.

• Drivers who may need increased levels of liability coverage will pay about $370 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• It is possible to save up to $160 per year simply by quoting online in advance
• Increasing policy deductibles can save around $550 each year
• Drivers age 20 and younger pay higher prices, with premiums being up to $390 per month for full coverage

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.