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 rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive costs on average $306 each year, collision insurance costs $506, and liability coverage is $338. Liability-only coverage costs around $394 a year, and high-risk coverage costs around $2,770. 16-year-old drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Ford Expedition insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save around $182 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,286
• Buying low deductibles will increase the cost to $1,644
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,770
• Policy cost for full coverage for a teenage driver may cost $4,682

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on your risk profile, the model of your Expedition, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on Ford Expedition insurance rates. A middle-age driver might find rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $540 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 130% more than the average rate. View High Risk Driver Rates

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

Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Make time to compare rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick rundown of the concepts that were touched on in this article.

• Drivers with reckless driving or DUI convictions may pay on average $1,480 more each year to buy Ford Expedition insurance
• Drivers age 20 and younger pay higher rates, with premiums being up to $390 each month including comprehensive and collision insurance
• You may be able to save as much as $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $550 each year
• You may be able to save as much as $160 per year just by quoting online in advance

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.