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.

U.S. average insurance rates for a Ford Expedition are $1,286 a year for full coverage insurance. Comprehensive costs around $306, collision insurance costs $506, and liability costs around $338. Liability-only coverage costs as low as $394 a year, and high-risk coverage costs around $2,770. Teens pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $739
• Using higher $1,000 deductibles will save about $182 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,286
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,644
• Drivers with serious driving violations could pay at least $2,770
• The price for full coverage for a teen driver with full coverage can be $4,682 or more

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

The state you live in has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can be as much as 45% to 130% more than the average policy. 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 Cheap Ford Expedition Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief summary of the material that was covered above.

• Policyholders who may need higher liability limits will pay approximately $370 annually to increase from a low limit to 250/500 limits
• Teenagers are expensive to insure, as much as $390 a month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,480 more every year for car insurance
• Increasing physical damage deductibles can save around $550 each year

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.