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.

The average insurance prices for a Ford Expedition are $1,280 every 12 months for full coverage. Comprehensive insurance costs around $296, collision costs $494, and liability is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing $2,758 or more. Teen drivers cost the most to insure at $4,688 a year or more.

Average premium for full coverage: $1,280

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates how your location can change auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code and their own driving history, instead of using price averages.

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

More Rate Details

The chart below shows estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save about $178 a year
• The average price for a good driver age 40 using $500 deductibles is $1,280
• Choosing pricier low deductibles for comp and collision coverage costs an extra $348 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,758 or more
• Policy cost to insure a teen driver for full coverage can be $4,688 each year

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing high deductibles can save as much as $530 every year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. Ford Expedition insurance for high-risk drivers ranges as much as 45% to 131% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied.

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 Affordable Ford Expedition Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a brief review of the data illustrated above.

• Policyholders who may need higher liability limits will pay about $390 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teenagers pay higher rates, costing up to $391 each month if they have full coverage

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.