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.

Average insurance rates for a Ford Expedition are $1,286 a year with full coverage. Comprehensive insurance costs an estimated $306 a year, collision costs $506, and liability coverage is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing $2,770 or more. 16-year-old drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to get quotes for a targeted area and risk profile, rather than using rate averages.

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

Additional Rate Information

The chart below details estimated Ford Expedition insurance rates for other coverage scenarios.

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save approximately $1,104 annually
• The average rate for a 40-year-old driver who has $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 up to $2,770 or more
• The cost for full coverage for a teenage driver can cost as much as $4,682 each year

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

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

Where you live 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 Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,100 extra per 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

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different 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 Right Ford Expedition Insurance

Saving money on auto insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

• Teen drivers have the highest car insurance rates, with premiums as much as $390 per month if full coverage is included
• Drivers with reckless driving or DUI convictions may pay on average $1,480 more annually to insure their Expedition
• Increasing deductibles can save around $550 each year
• You may be able to save approximately $160 per year simply 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.