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 insurance. Comprehensive insurance costs an estimated $296 each year, collision insurance costs $494, and liability costs around $354. A policy with only liability insurance costs as low as $406 a year, and a high-risk policy costs $2,758 or more. 16-year-old drivers pay the most at up to $4,688 a year.

Average premium for full coverage: $1,280

Premium estimates broken down by type of coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location impacts insurance prices.

These rate differences illustrate why all drivers should compare prices for a targeted area, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $735
• Using higher $1,000 deductibles will save approximately $178 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,280
• Buying low deductibles for physical damage coverage will cost an additional $348 every year
• Drivers with multiple tickets or accidents could pay up to $2,758
• An auto insurance policy that insures a teen driver can cost as much as $4,688 or more

View Chart as Image

Car insurance prices for a Ford Expedition also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 45% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $530 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Cheapest Ford Expedition Insurance

Finding better rates on car insurance requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a recap of the ideas that were touched on above.

• 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $391 per month if full coverage is purchased
• Higher risk drivers that have major violations or accidents may have to pay on average $1,480 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $525 each year
• It is possible to save approximately $160 per year just by quoting online in advance

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.