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 $1,280 a year with full coverage. Comprehensive costs on average $296 each year, collision insurance costs $494, and liability costs $354. Buying just liability costs as little as $406 a year, and insurance for high-risk drivers costs around $2,758. Teenage drivers receive the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

These examples demonstrate why all drivers should compare rates based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay around $178 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,280
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,628
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,758
• The cost that insures a teen driver may cost $4,688 a year

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $530 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 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 car insurance not only requires being a good driver, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the material that was touched on above.

• Policyholders who require an increased level of liability coverage will pay an extra $390 every year to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $391 per month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,480 more each year than a safer driver
• Increasing deductibles can save approximately $525 each year

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.