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 insurance rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $506, and liability insurance is $338. Liability-only insurance costs around $394 a year, and high-risk driver insurance costs $2,770 or more. Teenage 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:

These estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.

The ranges above highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $739
• Raising to $1,000 deductibles will save approximately $182 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,286
• Using pricier low deductibles will cost an extra $358 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,770
• The price for full coverage for a teen driver for full coverage can cost as much as $4,682

View Chart as Image

Car insurance prices for a Ford Expedition are also quite variable based on your driving record, the model of your Expedition, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

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 Cheap Ford Expedition Insurance

Getting lower rates on Ford Expedition insurance consists of not taking risks behind the wheel, having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more annually for Expedition insurance
• Increasing physical damage deductibles can save around $550 each year
• Teens have the highest car insurance prices, possibly costing $390 a month if full coverage is included

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.