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 $1,280 annually including full coverage. Comprehensive costs around $296 a year, collision costs $494, and liability insurance costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing around $2,758. 16-year-old drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates for individual coverage type:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay about $1,102 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,280
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,628
• High risk drivers with multiple tickets or accidents could pay at least $2,758 or more
• The cost with full coverage for a teen driver can be $4,688 a year

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $530 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes 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 Affordable Ford Expedition Insurance

Saving money on Ford Expedition insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was touched on in the above illustrations.

• You may be able to save up to $160 per year simply by quoting early and online
• Drivers who may need more liability protection will pay around $390 per year to go from a minimum limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, as much as $391 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,480 more every year than a low-risk 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.