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 rates for a Ford Expedition are $1,286 a year for full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $506, and liability coverage costs $338. A policy with just liability insurance costs as little as $394 a year, and coverage for high-risk drivers costs $2,770 or more. 16-year-old drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.

These examples show why everyone should compare rates using their specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $739
• Drivers who choose higher $1,000 deductibles will pay $182 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,286
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $358 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,770
• The cost for full coverage for a teenage driver for full coverage can cost $4,682 a year

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level of your Expedition, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Ford Expedition insurance for high-risk drivers can cost around 45% to 130% more than the average rate. View High Risk Driver Rates

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 the Cheapest Ford Expedition Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit history, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a recap of the primary concepts that were presented in the illustrations above.

• Drivers can save around $160 per year just by quoting online well ahead of the renewal date
• Drivers that have major violations or accidents may pay on average $1,480 more per year than a safer driver
• Increasing deductibles can save around $550 each year
• Drivers age 16 to 20 are the costliest to insure, costing as high as $390 per month including comprehensive and collision 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.