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 including full coverage. Comprehensive insurance costs an estimated $296 a year, collision insurance costs $494, and liability insurance costs around $354. Liability-only insurance costs as low as $406 a year, and high-risk driver insurance costs $2,758 or more. Teenage drivers pay the most at up to $4,688 a year.

Average premium for full coverage: $1,280

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical 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

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down average Ford Expedition insurance rates for other coverage scenarios.

• The best discount rate is $735
• Using higher $1,000 deductibles will save approximately $1,102 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,280
• Using low $100 deductibles for physical damage coverage costs an additional $348 a year
• Drivers who are prone to accidents and violations could pay up to $2,758
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,688 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared 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 likely paying $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $530 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Ford Expedition insurance requires being a safe and courteous driver, having good credit, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $160 per year just by quoting early and online
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more annually for auto insurance
• Increasing policy deductibles could save up to $525 each year
• Teenage drivers are expensive to insure, with the cost nearing $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.