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 insurance prices for a Ford Expedition are $1,280 every 12 months for full coverage. Comprehensive insurance costs approximately $296, collision insurance costs $494, and liability costs $354. Liability-only coverage costs as little as $406 a year, and high-risk coverage costs $2,758 or more. Teenage drivers cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should compare rates using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below shows average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay $178 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,280
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $348 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,758
• Policy cost to insure a teen driver for full coverage can cost $4,688 a year

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driver profile, and the model of your Expedition.

Using high physical damage deductibles could save up to $530 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Ford Expedition insurance for high-risk drivers can cost as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

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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 the Best Cheap Ford Expedition Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a quick review of the coverage data touched on in this article.

• Drivers can save around $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teenage drivers are the costliest to insure, costing up to $391 each month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,480 more per year for auto insurance

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.