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 insurance rates for a Ford Expedition are $1,280 a year including full coverage. Comprehensive costs approximately $296 a year, collision costs $494, and liability insurance is $354. A policy with only liability insurance costs around $406 a year, with a high-risk policy costing around $2,758. 16-year-old drivers pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why it is important to compare rates quotes using their specific location, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save $1,102 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,280
• Buying low $100 deductibles bumps up the cost to $1,628
• Higher-risk drivers with multiple tickets or accidents could pay around $2,758 or more
• An auto insurance policy that insures a teen driver can cost $4,688

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on the trim level of your Expedition, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $530 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Find Cheap Ford Expedition Insurance

Finding better rates on Ford Expedition insurance consists of being a low-risk driver, having a positive credit history, refrain from filing small claims, and avoiding coverage lapses. Comparison shop at every other renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a brief summary of the concepts that were covered above.

• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,480 more per year to insure their Expedition
• Teen drivers pay the highest auto insurance prices, with the cost nearing $391 per month if full coverage is purchased
• You may be able to save around $160 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• You may be able to save around $160 per year simply by quoting 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.