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 approximately $306 a year, collision insurance costs $506, and liability coverage is $338. A policy with just liability insurance costs around $394 a year, and coverage for high-risk drivers costs around $2,770. Teenage drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

The ranges above illustrate why it is important to compare rates quotes using their specific location, rather than using average rates.

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 and risk scenarios.

• The best discount rate is $739
• Raising to $1,000 deductibles will save $1,104 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,286
• Using low $100 deductibles bumps up the cost to $1,644
• Unlucky drivers who are prone to accidents and violations could pay around $2,770
• The price that insures a teenage driver can cost $4,682

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on the trim level of your Expedition, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

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 Best Ford Expedition Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices every couple of years by requesting rates from direct insurance companies, and also from your local car insurance providers.

The following is a brief recap of the material that was touched on above.

• Consumers who purchase higher liability limits will pay an extra $370 annually to raise from a low limit to the 250/500 level
• Teens are expensive to insure, as much as $390 a month if full coverage is included
• Drivers who tend to receive serious violations could be charged and average of $1,480 more per year for Expedition insurance
• Increasing physical damage deductibles can save approximately $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.