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.

The average insurance prices for a Ford Expedition are $1,286 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $306 each year, collision insurance costs $506, and liability is $338. Liability-only insurance costs around $394 a year, and high-risk driver insurance costs $2,770 or more. Teen drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

Prices include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $739
• Raising to $1,000 deductibles will save approximately $182 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,286
• Choosing low deductibles costs an extra $358 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,770
• Policy cost to insure a teen driver can cost as much as $4,682

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $540 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 130% more than average. View High Risk Driver Rates

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

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 Shop for the Right Ford Expedition Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a quick rundown of the data that was covered in the above illustrations.

• It is possible to save approximately $160 per year just by quoting online in advance
• Policyholders who want increased levels of liability coverage will pay about $370 annually to raise from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are the costliest to insure, possibly costing $390 each month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,480 more annually to buy Ford Expedition insurance

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.