Ford Expedition Insurance Rates
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UPDATED: May 12, 2024
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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 insurance rates for a Ford Expedition are $1,300 a year for full coverage insurance. Comprehensive costs on average $320, collision insurance costs $512, and liability costs around $332. Liability-only insurance costs as low as $388 a year, and high-risk driver insurance costs around $2,782. Teen drivers pay the most at up to $4,682 a year.
Average premium for full coverage: $1,300
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Expedition models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford Expedition range from as low as $388 for a discount liability-only rate to the much higher price of $2,782 for high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how location impacts car insurance rates.
These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates average Ford Expedition insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $748
- Using higher $1,000 deductibles will save around $192 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,300
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,662
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,782
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,682 or more
Insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
Where you choose to live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,172 | -$128 | -9.8% |
Alaska | $996 | -$304 | -23.4% |
Arizona | $1,076 | -$224 | -17.2% |
Arkansas | $1,300 | -$0 | 0.0% |
California | $1,478 | $178 | 13.7% |
Colorado | $1,238 | -$62 | -4.8% |
Connecticut | $1,332 | $32 | 2.5% |
Delaware | $1,466 | $166 | 12.8% |
Florida | $1,620 | $320 | 24.6% |
Georgia | $1,200 | -$100 | -7.7% |
Hawaii | $932 | -$368 | -28.3% |
Idaho | $878 | -$422 | -32.5% |
Illinois | $964 | -$336 | -25.8% |
Indiana | $980 | -$320 | -24.6% |
Iowa | $876 | -$424 | -32.6% |
Kansas | $1,232 | -$68 | -5.2% |
Kentucky | $1,770 | $470 | 36.2% |
Louisiana | $1,920 | $620 | 47.7% |
Maine | $802 | -$498 | -38.3% |
Maryland | $1,072 | -$228 | -17.5% |
Massachusetts | $1,034 | -$266 | -20.5% |
Michigan | $2,254 | $954 | 73.4% |
Minnesota | $1,088 | -$212 | -16.3% |
Mississippi | $1,552 | $252 | 19.4% |
Missouri | $1,152 | -$148 | -11.4% |
Montana | $1,394 | $94 | 7.2% |
Nebraska | $1,022 | -$278 | -21.4% |
Nevada | $1,556 | $256 | 19.7% |
New Hampshire | $934 | -$366 | -28.2% |
New Jersey | $1,452 | $152 | 11.7% |
New Mexico | $1,148 | -$152 | -11.7% |
New York | $1,364 | $64 | 4.9% |
North Carolina | $746 | -$554 | -42.6% |
North Dakota | $1,064 | -$236 | -18.2% |
Ohio | $892 | -$408 | -31.4% |
Oklahoma | $1,330 | $30 | 2.3% |
Oregon | $1,188 | -$112 | -8.6% |
Pennsylvania | $1,236 | -$64 | -4.9% |
Rhode Island | $1,730 | $430 | 33.1% |
South Carolina | $1,176 | -$124 | -9.5% |
South Dakota | $1,096 | -$204 | -15.7% |
Tennessee | $1,136 | -$164 | -12.6% |
Texas | $1,566 | $266 | 20.5% |
Utah | $960 | -$340 | -26.2% |
Vermont | $886 | -$414 | -31.8% |
Virginia | $776 | -$524 | -40.3% |
Washington | $1,000 | -$300 | -23.1% |
West Virginia | $1,190 | -$110 | -8.5% |
Wisconsin | $898 | -$402 | -30.9% |
Wyoming | $1,156 | -$144 | -11.1% |
Choosing high deductibles could cut prices by as much as $560 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 additional annually, depending on your age. Ford Expedition insurance for high-risk drivers can be as much as 45% to 129% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Ford Expedition SSV 2WD | $1,170 | $98 |
Ford Expedition SSV 4WD | $1,256 | $105 |
Ford Expedition XLT 2WD | $1,256 | $105 |
Ford Expedition XLT 4WD | $1,300 | $108 |
Ford Expedition Eddie Bauer 2WD | $1,342 | $112 |
Ford Expedition Eddie Bauer 4WD | $1,342 | $112 |
Ford Expedition Limited 2WD | $1,342 | $112 |
Ford Expedition King Ranch 2WD | $1,384 | $115 |
Ford Expedition King Ranch 4WD | $1,384 | $115 |
Ford Expedition Limited 4WD | $1,384 | $115 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Ford Expedition | $336 | $532 | $316 | $1,320 |
2023 Ford Expedition | $320 | $512 | $332 | $1,300 |
2022 Ford Expedition | $306 | $506 | $338 | $1,286 |
2021 Ford Expedition | $296 | $494 | $354 | $1,280 |
2020 Ford Expedition | $286 | $474 | $364 | $1,260 |
2019 Ford Expedition | $270 | $458 | $376 | $1,240 |
2018 Ford Expedition | $260 | $424 | $384 | $1,204 |
2017 Ford Expedition | $250 | $400 | $388 | $1,174 |
2016 Ford Expedition | $240 | $358 | $390 | $1,124 |
2015 Ford Expedition | $224 | $330 | $390 | $1,080 |
2014 Ford Expedition | $216 | $310 | $394 | $1,056 |
2013 Ford Expedition | $210 | $288 | $402 | $1,036 |
2012 Ford Expedition | $194 | $268 | $402 | $1,000 |
2011 Ford Expedition | $190 | $244 | $406 | $976 |
2010 Ford Expedition | $176 | $222 | $402 | $936 |
2009 Ford Expedition | $166 | $202 | $402 | $906 |
2008 Ford Expedition | $162 | $182 | $398 | $878 |
2007 Ford Expedition | $158 | $178 | $390 | $862 |
2006 Ford Expedition | $156 | $168 | $384 | $844 |
2005 Ford Expedition | $142 | $160 | $380 | $818 |
Rates are averaged for all Ford Expedition models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Ford Expedition Insurance
Finding better rates on car insurance requires avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The list below is a brief review of the material that was touched on above.
- Policyholders who require higher liability limits will pay about $370 annually to increase from 30/60 bodily injury limits to 250/500 limits
- Teenagers pay higher prices, with premiums being up to $390 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,480 more each year for car insurance
- Increasing policy deductibles can save around $550 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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,682 |
20 | $2,954 |
30 | $1,362 |
40 | $1,300 |
50 | $1,182 |
60 | $1,160 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,662 |
$250 | $1,496 |
$500 | $1,300 |
$1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,300 |
50/100 | $1,450 |
100/300 | $1,533 |
250/500 | $1,749 |
100 CSL | $1,484 |
300 CSL | $1,666 |
500 CSL | $1,799 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,696 |
20 | $4,694 |
30 | $2,856 |
40 | $2,782 |
50 | $2,650 |
60 | $2,624 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $70 |
Multi-vehicle | $66 |
Homeowner | $18 |
5-yr Accident Free | $96 |
5-yr Claim Free | $84 |
Paid in Full/EFT | $61 |
Advance Quote | $64 |
Online Quote | $93 |
Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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