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 $1,286 a year for full coverage insurance. Comprehensive insurance costs an estimated $306, collision costs $506, and liability coverage is $338. A liability-only policy costs around $394 a year, with high-risk insurance costing $2,770 or more. 16-year-old drivers pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM 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

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

The price range example below illustrates how location helps determine insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save approximately $182 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,286
• Buying more expensive low deductibles will cost an additional $358 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,770 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,682

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Where you choose to live 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 at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

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. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.

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 Affordable Ford Expedition Insurance

Finding better rates on auto insurance consists of having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Drivers with DUI or reckless driving convictions may have to pay on average $1,480 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $390 per month if the policy includes full coverage

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.