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 insurance prices for a Ford Expedition are $1,280 every 12 months with full coverage. Comprehensive insurance costs on average $296 each year, collision costs $494, and liability insurance is estimated at $354. A policy with just liability insurance costs approximately $406 a year, with coverage for high-risk drivers costing $2,758 or more. 16-year-old drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These examples demonstrate why all drivers should get quotes based on a specific location and their own driving history, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save around $178 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,280
• Buying low deductibles for comp and collision coverage costs an extra $348 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,758 or more
• The cost to insure a teen driver may cost $4,688 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $530 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates can be significantly different.

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 Shop for Low Cost Ford Expedition Insurance

Saving money on Ford Expedition insurance takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a review of the coverage data covered in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting online in advance
• Increasing deductibles could save as much as $525 each year
• Youthful drivers pay higher rates, with premiums as much as $391 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,480 more each 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.