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.

Estimated auto insurance rates for a Ford Expedition are $1,280 annually for full coverage insurance. Comprehensive costs an estimated $296, collision costs $494, and liability coverage is estimated at $354. Liability-only coverage costs approximately $406 a year, with high-risk coverage costing around $2,758. Teen drivers pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save approximately $178 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,280
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,628
• Drivers with multiple violations and an at-fault accident could pay up to $2,758 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $4,688 each year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your risk profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges around 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $530 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially 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 the Best Cheap Ford Expedition Insurance

Finding better rates on auto insurance takes being a good driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the concepts that were touched on in the above illustrations.

• Drivers with a DUI or reckless driving violation may pay on average $1,480 more annually than a safer driver
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $391 per month including comprehensive and collision insurance
• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing policy deductibles could save up to $525 each year
• It is possible to save approximately $160 per year simply by shopping early and online

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.