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 prices for a Ford Expedition are $1,286 every 12 months with full coverage. Comprehensive insurance costs on average $306, collision costs $506, and liability coverage is estimated at $338. Liability-only insurance costs approximately $394 a year, with high-risk driver 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:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different 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 more infrequent collision claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using rate averages.

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

Additional Charts and Tables

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 $182 annually
• The average price for a good driver age 40 with $500 deductibles is $1,286
• Buying more expensive low deductibles for comp and collision coverage costs an extra $358 each year
• Drivers with multiple tickets or accidents could pay upwards of $2,770 or more
• Policy cost to insure a teenage driver with full coverage may cost $4,682 each year

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Expedition.

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

An older driver with a good driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges around 45% to 130% more than the average rate. View High Risk Driver Rates

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

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

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 Affordable Ford Expedition Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having a good credit score, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a brief review of the ideas that were presented in the illustrations above.

• Youthful drivers are charged the highest rates, as much as $390 each month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions may pay on average $1,480 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• You may be able to save as much as $160 per year simply by shopping 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.