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 insurance costs on average $306, collision costs $506, and liability costs $338. A policy with just liability insurance costs as little as $394 a year, with coverage for high-risk drivers costing $2,770 or more. Teenage drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates based on a specific location, instead of using average rates.

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

More Rate Details

The chart below breaks down estimated Ford Expedition insurance rates for different risk profiles and scenarios.

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay around $182 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,286
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $358 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,770 or more
• The cost that insures a teen driver with full coverage may cost $4,682 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $540 every year, while increasing your policy's liability limits will cost you more. 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 exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, 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 Cheaper Ford Expedition Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a condensed summary of the coverage data presented in the illustrations above.

• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $550 each year
• 16 to 18-year-old drivers pay higher rates, as much as $390 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,480 more each year than a driver with a clean driving record

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.