Ford Expedition Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her wr...

Insurance and Finance Writer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 $1,240 a year for full coverage. Comprehensive costs around $270 each year, collision costs $458, and liability is $376. A liability-only policy costs around $426 a year, with high-risk insurance costing around $2,676. Teens receive the highest rates at $4,612 a year or more.

Average premium for full coverage: $1,240

Rate estimates for individual coverage type:

Comprehensive $270
Collision $458
Liability $376

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Expedition models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $426 for your basic liability-only policy to a high rate of $2,676 for coverage for higher-risk drivers.

Liability Only $426
Full Coverage $1,240
High Risk $2,676

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $930
Small Cities $1,302
Large Cities $1,674

These examples show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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.

More Rate Information

The chart below shows estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $715
  • Raising to $1,000 deductibles will save about $166 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,240
  • Selecting low deductibles will increase the cost to $1,560
  • Drivers with serious driving violations could pay at least $2,676 or more
  • The cost for full coverage for a 16-year-old driver can be $4,612

View Chart as Image

Ford Expedition insurance cost comparison chart
Column chart showing full coverage Ford Expedition insurance rates range from $715 to $4,612

Insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level of your Expedition, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,770 on average in Michigan, Louisiana, and New York.

Ford Expedition Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$120 -9.7%
Alaska $950 -$290 -23.4%
Arizona $1,028 -$212 -17.1%
Arkansas $1,240 -$0 0.0%
California $1,412 $172 13.9%
Colorado $1,182 -$58 -4.7%
Connecticut $1,272 $32 2.6%
Delaware $1,402 $162 13.1%
Florida $1,548 $308 24.8%
Georgia $1,146 -$94 -7.6%
Hawaii $890 -$350 -28.2%
Idaho $840 -$400 -32.3%
Illinois $922 -$318 -25.6%
Indiana $934 -$306 -24.7%
Iowa $834 -$406 -32.7%
Kansas $1,176 -$64 -5.2%
Kentucky $1,688 $448 36.1%
Louisiana $1,834 $594 47.9%
Maine $764 -$476 -38.4%
Maryland $1,024 -$216 -17.4%
Massachusetts $988 -$252 -20.3%
Michigan $2,152 $912 73.5%
Minnesota $1,036 -$204 -16.5%
Mississippi $1,484 $244 19.7%
Missouri $1,100 -$140 -11.3%
Montana $1,330 $90 7.3%
Nebraska $974 -$266 -21.5%
Nevada $1,484 $244 19.7%
New Hampshire $894 -$346 -27.9%
New Jersey $1,386 $146 11.8%
New Mexico $1,098 -$142 -11.5%
New York $1,304 $64 5.2%
North Carolina $714 -$526 -42.4%
North Dakota $1,016 -$224 -18.1%
Ohio $854 -$386 -31.1%
Oklahoma $1,272 $32 2.6%
Oregon $1,136 -$104 -8.4%
Pennsylvania $1,180 -$60 -4.8%
Rhode Island $1,652 $412 33.2%
South Carolina $1,122 -$118 -9.5%
South Dakota $1,046 -$194 -15.6%
Tennessee $1,084 -$156 -12.6%
Texas $1,494 $254 20.5%
Utah $916 -$324 -26.1%
Vermont $844 -$396 -31.9%
Virginia $742 -$498 -40.2%
Washington $956 -$284 -22.9%
West Virginia $1,136 -$104 -8.4%
Wisconsin $856 -$384 -31.0%
Wyoming $1,102 -$138 -11.1%

View Chart as Image

Ford Expedition insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $490 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Expedition Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Expedition SSV 2WD $1,128 $94
Ford Expedition SSV 4WD $1,202 $100
Ford Expedition XLT 2WD $1,202 $100
Ford Expedition XLT 4WD $1,240 $103
Ford Expedition Eddie Bauer 2WD $1,278 $107
Ford Expedition Eddie Bauer 4WD $1,278 $107
Ford Expedition Limited 2WD $1,278 $107
Ford Expedition King Ranch 2WD $1,316 $110
Ford Expedition King Ranch 4WD $1,316 $110
Ford Expedition Limited 4WD $1,316 $110

Rates assume 2019 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.

Ford Expedition Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Ford Expedition $270 $458 $376 $1,240
2014 Ford Expedition $216 $310 $394 $1,056
2013 Ford Expedition $210 $288 $402 $1,036
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
2004 Ford Expedition $138 $152 $376 $802

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 Low Cost Ford Expedition Insurance

Saving money on insurance for a Ford Expedition consists of being a good driver, maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following list is a review of the primary concepts that were covered in the charts and tables above.

  • Drivers can save up to $150 per year simply by quoting online in advance
  • Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,440 more every year than a safer driver
  • Increasing deductibles can save around $475 each year
  • Drivers age 16 to 20 pay higher rates, costing as high as $384 per month for full coverage

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Rates by Driver Age

Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $4,612
20 $2,844
30 $1,294
40 $1,240
50 $1,132
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,560
$250 $1,412
$500 $1,240
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,240
50/100 $1,391
100/300 $1,485
250/500 $1,730
100 CSL $1,429
300 CSL $1,636
500 CSL $1,786

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $6,578
20 $4,528
30 $2,734
40 $2,676
50 $2,552
60 $2,526

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.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $80
Paid in Full/EFT $56
Advance Quote $61
Online Quote $88
Total Discounts $525
Rate after discounts $715

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles