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 $1,300 every 12 months for full coverage. Comprehensive insurance costs an estimated $320 a year, collision insurance costs $512, and liability costs around $332. Buying just liability costs as low as $388 a year, and insurance for high-risk drivers costs $2,782 or more. 16-year-old drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

More Rate Details

The chart below shows average Ford Expedition insurance rates for other coverage scenarios.

• The best full coverage rate is $748
• Using higher $1,000 deductibles will save approximately $1,108 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,300
• Buying low $100 deductibles for physical damage coverage costs an extra $362 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,782
• Policy cost to insure a 16-year-old driver can cost as much as $4,682 or more

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $560 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $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 could be paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be from 45% to 129% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Cheaper Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition requires being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct carriers, and also from several local insurance agents.

The following list is a condensed summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,480 more annually than a safer driver
• Drivers age 16 to 20 are charged the highest rates, costing up to $390 each month if they have full coverage
• Drivers can save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers can save approximately $160 per year just 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.