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.

Estimated insurance rates for a Ford Expedition are $1,260 a year for full coverage insurance. Comprehensive insurance costs an estimated $286, collision costs $474, and liability coverage is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing $2,718 or more. 16-year-old drivers pay the most at $4,644 a year or more.

Average premium for full coverage: $1,260

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

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

These rate differences illustrate why anyone shopping for car insurance should 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.

Rates by State, City, and Model

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

• The best full coverage rate is $727
• Choosing higher $1,000 deductibles can save approximately $172 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,260
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $334 each year
• Drivers with multiple tickets or accidents could pay up to $2,718 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost as much as $4,644 each year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,000 additional annually, depending on your age. High-risk driver insurance ranges around 43% to 133% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Ford Expedition Insurance

Finding better rates on auto insurance takes being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

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

• Drivers with multiple at-fault accidents pay on average $1,460 more annually to insure their Expedition
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing policy deductibles can save around $500 each year
• Consumers who want more liability coverage will pay around $400 annually to raise limits from 30/60 bodily injury limits 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.