Ford Expedition Insurance Rates
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UPDATED: May 12, 2024
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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
For an average driver, Ford Expedition insurance rates range from the cheapest price of $388 for just liability insurance to a high of $2,782 for a driver who requires high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,172 | -$128 | -9.8% |
Alaska | $996 | -$304 | -23.4% |
Arizona | $1,076 | -$224 | -17.2% |
Arkansas | $1,300 | -$0 | 0.0% |
California | $1,478 | $178 | 13.7% |
Colorado | $1,238 | -$62 | -4.8% |
Connecticut | $1,332 | $32 | 2.5% |
Delaware | $1,466 | $166 | 12.8% |
Florida | $1,620 | $320 | 24.6% |
Georgia | $1,200 | -$100 | -7.7% |
Hawaii | $932 | -$368 | -28.3% |
Idaho | $878 | -$422 | -32.5% |
Illinois | $964 | -$336 | -25.8% |
Indiana | $980 | -$320 | -24.6% |
Iowa | $876 | -$424 | -32.6% |
Kansas | $1,232 | -$68 | -5.2% |
Kentucky | $1,770 | $470 | 36.2% |
Louisiana | $1,920 | $620 | 47.7% |
Maine | $802 | -$498 | -38.3% |
Maryland | $1,072 | -$228 | -17.5% |
Massachusetts | $1,034 | -$266 | -20.5% |
Michigan | $2,254 | $954 | 73.4% |
Minnesota | $1,088 | -$212 | -16.3% |
Mississippi | $1,552 | $252 | 19.4% |
Missouri | $1,152 | -$148 | -11.4% |
Montana | $1,394 | $94 | 7.2% |
Nebraska | $1,022 | -$278 | -21.4% |
Nevada | $1,556 | $256 | 19.7% |
New Hampshire | $934 | -$366 | -28.2% |
New Jersey | $1,452 | $152 | 11.7% |
New Mexico | $1,148 | -$152 | -11.7% |
New York | $1,364 | $64 | 4.9% |
North Carolina | $746 | -$554 | -42.6% |
North Dakota | $1,064 | -$236 | -18.2% |
Ohio | $892 | -$408 | -31.4% |
Oklahoma | $1,330 | $30 | 2.3% |
Oregon | $1,188 | -$112 | -8.6% |
Pennsylvania | $1,236 | -$64 | -4.9% |
Rhode Island | $1,730 | $430 | 33.1% |
South Carolina | $1,176 | -$124 | -9.5% |
South Dakota | $1,096 | -$204 | -15.7% |
Tennessee | $1,136 | -$164 | -12.6% |
Texas | $1,566 | $266 | 20.5% |
Utah | $960 | -$340 | -26.2% |
Vermont | $886 | -$414 | -31.8% |
Virginia | $776 | -$524 | -40.3% |
Washington | $1,000 | -$300 | -23.1% |
West Virginia | $1,190 | -$110 | -8.5% |
Wisconsin | $898 | -$402 | -30.9% |
Wyoming | $1,156 | -$144 | -11.1% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Ford Expedition SSV 2WD | $1,170 | $98 |
Ford Expedition SSV 4WD | $1,256 | $105 |
Ford Expedition XLT 2WD | $1,256 | $105 |
Ford Expedition XLT 4WD | $1,300 | $108 |
Ford Expedition Eddie Bauer 2WD | $1,342 | $112 |
Ford Expedition Eddie Bauer 4WD | $1,342 | $112 |
Ford Expedition Limited 2WD | $1,342 | $112 |
Ford Expedition King Ranch 2WD | $1,384 | $115 |
Ford Expedition King Ranch 4WD | $1,384 | $115 |
Ford Expedition Limited 4WD | $1,384 | $115 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Ford Expedition | $336 | $532 | $316 | $1,320 |
2023 Ford Expedition | $320 | $512 | $332 | $1,300 |
2022 Ford Expedition | $306 | $506 | $338 | $1,286 |
2021 Ford Expedition | $296 | $494 | $354 | $1,280 |
2020 Ford Expedition | $286 | $474 | $364 | $1,260 |
2019 Ford Expedition | $270 | $458 | $376 | $1,240 |
2018 Ford Expedition | $260 | $424 | $384 | $1,204 |
2017 Ford Expedition | $250 | $400 | $388 | $1,174 |
2016 Ford Expedition | $240 | $358 | $390 | $1,124 |
2015 Ford Expedition | $224 | $330 | $390 | $1,080 |
2014 Ford Expedition | $216 | $310 | $394 | $1,056 |
2013 Ford Expedition | $210 | $288 | $402 | $1,036 |
2012 Ford Expedition | $194 | $268 | $402 | $1,000 |
2011 Ford Expedition | $190 | $244 | $406 | $976 |
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 |
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 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.
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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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,682 |
20 | $2,954 |
30 | $1,362 |
40 | $1,300 |
50 | $1,182 |
60 | $1,160 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,662 |
$250 | $1,496 |
$500 | $1,300 |
$1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,300 |
50/100 | $1,450 |
100/300 | $1,533 |
250/500 | $1,749 |
100 CSL | $1,484 |
300 CSL | $1,666 |
500 CSL | $1,799 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,696 |
20 | $4,694 |
30 | $2,856 |
40 | $2,782 |
50 | $2,650 |
60 | $2,624 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $70 |
Multi-vehicle | $66 |
Homeowner | $18 |
5-yr Accident Free | $96 |
5-yr Claim Free | $84 |
Paid in Full/EFT | $61 |
Advance Quote | $64 |
Online Quote | $93 |
Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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