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 $1,280 annually for full coverage. Comprehensive costs on average $296, collision costs $494, and liability is estimated at $354. A policy with just liability insurance costs approximately $406 a year, with coverage for high-risk drivers costing around $2,758. 16-year-old drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP 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

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than congested cities.

The example below illustrates how geographic area affects car insurance rates.

These examples show why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save around $178 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,280
• Buying pricier low deductibles for comp and collision coverage will cost $1,628
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,758 or more
• The cost with full coverage for a 16-year-old driver for full coverage may cost $4,688 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 driver profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Ford Expedition insurance for high-risk drivers ranges from 45% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $530 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and 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 the Best Cheap Ford Expedition Insurance

Saving money on insurance for a Ford Expedition takes being a low-risk driver, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a quick review of the data presented in the illustrations above.

• Insureds who require more liability coverage will pay around $390 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $525 each year
• Teen drivers pay higher rates, costing as high as $391 per month if they have full coverage

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.