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 auto insurance rates for a Ford Expedition are $1,286 annually with full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability coverage costs around $338. A liability-only policy costs as low as $394 a year, and high-risk insurance costs $2,770 or more. 16-year-old drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist 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

Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

The chart below details average Ford Expedition insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $739
• Using higher $1,000 deductibles will save around $182 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,286
• Buying pricier low deductibles for physical damage coverage costs an additional $358 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,770
• An auto insurance policy with full coverage for a teenage driver for full coverage may cost $4,682 or more

View Chart as Image

Auto insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your driving record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Ford Expedition insurance for high-risk drivers can be around 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

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 $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,740 on average in Florida, Michigan, and New York.

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 Buy Cheaper Ford Expedition Insurance

Finding better rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates at least every other year by obtaining price quotes from direct companies, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the car insurance concepts touched on in this article.

• Drivers with multiple at-fault accidents pay an average of $1,480 more each year than a low-risk driver
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $550 each year
• Consumers who require more liability protection will pay around $370 every year to increase from 30/60 bodily injury limits 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.