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.

Average auto insurance rates for a Ford Expedition are $1,286 annually for full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability is estimated at $338. Buying just liability costs approximately $394 a year, and insurance for high-risk drivers costs $2,770 or more. Teens receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

These examples show why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $739
• Choosing higher $1,000 deductibles can save around $182 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,286
• Selecting pricier low deductibles for comp and collision coverage costs an additional $358 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,770
• The cost with full coverage for a 16-year-old driver for full coverage may cost $4,682 each year

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Auto insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driver profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen 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 like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers ranges from 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 the Right Ford Expedition Insurance

Saving money on insurance for a Ford Expedition takes being a good driver, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a quick rundown of the data covered in the charts and tables above.

• Insureds who require an increased level of liability coverage will pay approximately $370 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $550 each year
• Drivers age 16 to 20 are charged the highest rates, costing as high as $390 per month if full coverage is included

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.