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 prices for a Ford Expedition are $1,286 every 12 months with full coverage. Comprehensive insurance costs around $306, collision costs $506, and liability coverage costs $338. Liability-only coverage costs as little as $394 a year, with high-risk coverage costing $2,770 or more. Teens pay the most at $4,682 a year or more.

Average premium for full coverage: $1,286

Premium estimates for type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why everyone should compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $739
• Drivers who choose higher $1,000 deductibles will pay about $182 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,286
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $358 each year
• High-risk insureds with serious driving violations could pay at least $2,770 or more
• An auto insurance policy to insure a teenage driver for full coverage can be $4,682 a year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $540 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $304 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. Ford Expedition insurance for high-risk drivers can cost around 45% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every company calculates prices differently, so the prices will be substantially 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 Shop for Cheaper Ford Expedition Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by getting quotes from direct companies, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were covered in the above illustrations.

• Drivers with multiple at-fault accidents pay on average $1,480 more every year to insure their Expedition
• Teen drivers pay higher prices, possibly costing $390 per month if they have full coverage
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date

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.