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 insurance prices for a Ford Expedition are $1,280 every 12 months including full coverage. Comprehensive insurance costs approximately $296 a year, 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. 16-year-old drivers pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay $1,102 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,280
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $348 a year
• High risk drivers with multiple tickets or accidents could pay around $2,758 or more
• The price to insure a teen driver can cost $4,688 a year

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Expedition.

Opting for high physical damage deductibles could save up to $530 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted prices may be quite different.

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 Shop for the Right Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to shop around at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a quick rundown of the concepts that were raised in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,480 more per year for car insurance
• Teenagers have the highest car insurance prices, possibly costing $391 a month if comprehensive and collision insurance is included
• You may be able to save around $160 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $525 each year
• You may be able to save around $160 per year simply by quoting early and online

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.