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 approximately $296, collision costs $494, and liability is $354. A liability-only policy costs around $406 a year, with high-risk insurance costing $2,758 or more. Teens pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

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

These rate differences show why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save $178 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,280
• Selecting pricier low deductibles will cost an extra $348 annually
• Drivers with serious driving violations could pay around $2,758 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $4,688

View Chart as Image

Auto insurance prices for a Ford Expedition also have a wide range based on your driving characteristics, the trim level of your Expedition, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find prices as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $530 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost from 45% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted 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 More Affordable Ford Expedition Insurance

Finding better rates on insurance for a Ford Expedition consists of being a low-risk driver, having good credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the coverage data covered in the above illustrations.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $525 each year
• Teen drivers have the highest car insurance prices, as much as $391 per month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,480 more per year to insure their Expedition

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.