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 around $306 a year, collision insurance costs $506, and liability coverage costs $338. Liability-only insurance costs as little as $394 a year, and high-risk driver insurance costs $2,770 or more. Teen drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and risk profile, rather than using price averages.

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 additional coverage choices and driver risks.

• The lowest rate with discounts is $739
• Drivers who choose higher $1,000 deductibles will pay about $1,104 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,286
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $358 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,770
• The price for full coverage for a teenage driver can be $4,682 a year

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 deductibles and policy limits.

Older drivers with no driving violations and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could save up to $540 a year, while buying higher liability limits will increase prices. 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 at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost around 45% to 130% more than average. 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 Low Cost Ford Expedition Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and consideration of higher deductibles. Spend time shopping around once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a review of the data that was touched on above.

• You may be able to save up to $160 per year just by quoting early and online
• Consumers who may need more liability protection will pay about $370 per year to go from a low limit to 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $390 a month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,480 more every year than a low-risk driver

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.