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 rates for a Ford Expedition are $1,286 a year for full coverage insurance. Comprehensive insurance costs an estimated $306 a year, collision insurance costs $506, and liability insurance is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs $2,770 or more. 16-year-old drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save approximately $1,104 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,286
• Buying low $100 deductibles will cost an additional $358 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,770
• The price that insures a teen driver can cost as much as $4,682

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the trim level of your Expedition, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $304 more each 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 More Affordable Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance consists of being a good driver, having a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop at every other renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the concepts that were touched on in this article.

• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,480 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, as much as $390 a month if comprehensive and collision insurance is included
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $550 each year
• It is possible to save approximately $160 per year just 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.