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 $1,280 every 12 months with full coverage. Comprehensive insurance costs on average $296, collision insurance costs $494, and liability costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,758 or more. Teenage drivers pay the most at up to $4,688 a year.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save around $178 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,280
• Using more expensive low deductibles for physical damage coverage costs an extra $348 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,758
• An auto insurance policy to insure a teen driver with full coverage may cost $4,688 or more

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 of your Expedition.

Using high physical damage deductibles could cut prices by as much as $530 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $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 a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 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 Shop for the Best Ford Expedition Insurance

Finding better rates on car insurance requires having a good driving record, having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to shop around every year by quoting rates from direct companies, and also from local exclusive and independent agents.

The next list is a brief recap of the coverage data illustrated above.

• You may be able to save as much as $160 per year just by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• Drivers age 20 and younger pay the highest prices, possibly costing $391 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations may pay on average $1,480 more each year to buy Ford Expedition insurance

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.