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 auto insurance rates for a Ford Expedition are $1,286 annually for full coverage insurance. Comprehensive insurance costs on average $306 a year, collision costs $506, and liability is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing $2,770 or more. Teen drivers pay the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM 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 can make a big difference on insurance rates. Rural areas have fewer physical damage claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Details

The chart below illustrates estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save around $1,104 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,286
• Choosing low $100 deductibles costs an additional $358 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,770 or more
• The price with full coverage for a 16-year-old driver may cost $4,682

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

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

Choosing high deductibles can reduce prices by up to $540 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

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 Buy Cheap Ford Expedition Insurance

Getting lower rates on insurance for a Ford Expedition consists of having a good driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,480 more each year to buy Ford Expedition insurance
• Drivers age 20 and younger are charged the highest prices, as much as $390 a month if full coverage is included
• It is possible to save as much as $160 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $550 each year
• It is possible to save as much as $160 per year simply 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.

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.