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 $1,280 a year for full coverage. Comprehensive insurance costs on average $296 each year, collision costs $494, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing $2,758 or more. Teenage drivers pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save around $178 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,280
• Using low deductibles for physical damage coverage will cost an extra $348 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,758 or more
• An auto insurance policy for full coverage for a teenage driver may cost $4,688 or more

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the trim level of your Expedition, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $530 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be around 45% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 the Right Ford Expedition Insurance

Finding better rates on auto insurance requires being a good driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Spend time shopping around at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following list is a quick rundown of the car insurance concepts touched on above.

• Drivers with reckless driving or DUI convictions will pay on average $1,480 more each year than a safer driver
• Drivers can save as much as $160 per year simply by quoting online in advance
• Increasing policy deductibles can save around $525 each year
• Consumers who require an increased level of liability coverage will pay an extra $390 each year to increase from 30/60 bodily injury limits to 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.