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 insurance rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive costs approximately $306 each year, collision costs $506, and liability insurance costs around $338. A policy with just liability insurance costs as low as $394 a year, with coverage for high-risk drivers costing around $2,770. Teens receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

These examples highlight why all drivers should compare prices using their specific location, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $739
• Using higher $1,000 deductibles will save $182 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,286
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,644
• Drivers with serious driving violations could pay around $2,770 or more
• The cost that insures a teen driver can cost $4,682 or more

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and rates can be significantly different.

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

Saving money on Ford Expedition insurance requires being a good driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following list is a quick rundown of the ideas that were touched on above.

• Drivers age 16 to 20 are the costliest to insure, as much as $390 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,480 more per year than a safer driver
• Increasing deductibles can save approximately $550 each year
• You may be able to save around $160 per year simply by quoting online in advance

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.