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.

U.S. average auto insurance rates for a Ford Expedition are $1,280 annually with full coverage. Comprehensive insurance costs on average $296, collision costs $494, and liability insurance costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing $2,758 or more. Teens pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $735
• Drivers who choose higher $1,000 deductibles will pay around $178 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,280
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $348 a year
• High risk drivers with serious driving violations could pay upwards of $2,758 or more
• The price with full coverage for a teen driver with full coverage may cost $4,688 a year

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $530 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite 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 Cheapest Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $160 per year simply by shopping early and online
• High-risk drivers that have major violations or accidents pay an average of $1,480 more each year to insure a Ford Expedition
• Increasing physical damage deductibles could save up to $525 each year
• Drivers under the age of 20 are charged the highest prices, costing up to $391 a month if full coverage is included

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.