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 $1,286 annually with full coverage. Comprehensive costs an estimated $306, collision costs $506, and liability insurance is estimated at $338. A liability-only policy costs approximately $394 a year, with high-risk insurance costing around $2,770. Teens receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below details estimated Ford Expedition insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $739
• Choosing higher $1,000 deductibles can save approximately $182 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,286
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,644
• High-risk insureds with serious driving violations could pay up to $2,770 or more
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,682 each year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

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 $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates 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 Cheaper Ford Expedition Insurance

Saving money on Ford Expedition insurance takes being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a condensed summary of the data illustrated above.

• Drivers who want more liability protection will pay approximately $370 every year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing deductibles could save up to $550 each year
• Youthful drivers are charged the highest rates, with premiums as much 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.