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 for full coverage. Comprehensive costs around $296, collision costs $494, and liability costs $354. A policy with just liability insurance costs as little as $406 a year, with coverage for high-risk drivers 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:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance rates.

These examples show why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

More Rate Details

The chart below shows 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 $178 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,280
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,628
• Drivers with multiple tickets or accidents could pay at least $2,758 or more
• The cost to insure a 16-year-old driver for full coverage can be $4,688 a year

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Opting for high physical damage deductibles could save up to $530 annually, whereas buying more liability protection will increase rates. Going 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

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

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. Ford Expedition insurance for high-risk drivers can cost from 45% to 131% more than the average rate. View High Risk Driver Rates

Where you live 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 Idaho, Maine, and Iowa, or at least $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Every company 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 the Best Ford Expedition Insurance

Saving money on insurance for a Ford Expedition not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the material that was covered in the above illustrations.

• Insureds who may need an increased level of liability coverage will pay around $390 each year to go from a minimum limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, costing as high as $391 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,480 more every year than a safer driver
• Increasing deductibles could save as much as $525 each year

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.