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 including full coverage. Comprehensive costs approximately $306, collision costs $506, and liability insurance is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing around $2,770. Teen 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:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save $182 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,286
• Choosing more expensive low deductibles will increase the cost to $1,644
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,770 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $4,682

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on your risk profile, the model of your Expedition, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state also has a big influence on Ford Expedition insurance rates. A middle-age driver might find rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $540 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates 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 the Best Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the car insurance concepts raised in the charts and tables above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,480 more per year to insure their Expedition
• You may be able to save around $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers who purchase more liability coverage will pay about $370 per year to raise 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.