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 including full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $506, and liability coverage is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs $2,770 or more. 16-year-old drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how your location can change insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save approximately $182 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,286
• Buying more expensive low deductibles for comp and collision coverage costs an additional $358 each year
• Drivers with multiple tickets or accidents could pay up to $2,770
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,682 each year

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance ranges around 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $540 a year, while increasing your policy's liability limits will increase premiums. Changing 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 plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

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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 Cheaper Ford Expedition Insurance

Getting lower rates on auto insurance takes having a good driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the information illustrated above.

• You may be able to save approximately $160 per year just by shopping early and online
• Drivers age 20 and younger are the costliest to insure, possibly costing $390 a month if full coverage is included
• Increasing physical damage deductibles could save up to $550 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,480 more annually to buy Ford Expedition insurance
• Consumers who want increased levels of liability coverage will pay around $370 per year to raise limits from a low limit to higher 250/500 limits

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.