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 insurance rates for a Ford Expedition are $1,286 a year for full coverage insurance. Comprehensive costs approximately $306, collision insurance costs $506, and liability is estimated at $338. Buying just liability costs approximately $394 a year, and insurance for high-risk drivers costs around $2,770. Teen drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 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 the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

These examples illustrate why everyone should get quotes using their specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below illustrates average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $739
• Choosing higher $1,000 deductibles can save $182 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,286
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,644
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,770
• The cost that insures a 16-year-old driver for full coverage can cost $4,682 each year

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on the model of your Expedition, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers ranges from 45% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

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 North Carolina, Wisconsin, and Vermont, or as much as $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

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 the Right Ford Expedition Insurance

Saving money on insurance for a Ford Expedition takes being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a quick rundown of the data touched on above.

• Insureds who purchase more liability protection will pay about $370 annually to raise limits from a minimum limit to the 250/500 level
• It is possible to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $550 each year
• Youthful drivers have the highest car insurance rates, costing up to $390 per month if the policy includes 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.