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.

The average insurance rates for a Ford Expedition are $1,286 a year with full coverage. Comprehensive insurance costs on average $306 a year, collision costs $506, and liability coverage is estimated at $338. A liability-only policy costs approximately $394 a year, with high-risk insurance costing $2,770 or more. 16-year-old drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save around $1,104 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,286
• Buying low $100 deductibles for comp and collision coverage will cost an extra $358 each year
• Drivers with multiple tickets or accidents could pay upwards of $2,770 or more
• Policy cost for full coverage for a teenage driver may cost $4,682 each year

View Chart as Image

Car insurance rates for a Ford Expedition also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 Cheaper Ford Expedition Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a condensed summary of the information covered above.

• You may be able to save as much as $160 per year simply by quoting early and online
• Drivers age 20 and younger are expensive to insure, as much as $390 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers with multiple at-fault accidents may be required to pay an average of $1,480 more each year to buy Ford Expedition insurance
• Consumers who require increased levels of liability coverage will pay around $370 every year to raise limits from a 30/60 limit to 250/500 limits

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.