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 costs an estimated $306 a year, collision insurance costs $506, and liability is $338. Liability-only coverage costs around $394 a year, and high-risk coverage costs around $2,770. 16-year-old drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save approximately $1,104 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,286
• Buying low $100 deductibles will increase the cost to $1,644
• At-risk drivers with multiple tickets or accidents could pay up to $2,770
• The cost for full coverage for a teen driver can cost as much as $4,682

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the model of your Expedition, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Where you live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $540 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 130% more than the average rate. 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 the Best Ford Expedition Insurance

Saving money on car insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and possibly higher deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the information covered in the above illustrations.

• You may be able to save approximately $160 per year just by quoting early and online
• Youthful drivers have the highest car insurance rates, as much as $390 per month if full coverage is included
• Increasing deductibles can save around $550 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,480 more annually than a low-risk driver
• Policyholders who want more liability protection will pay around $370 per year to raise from a minimum limit to 250/500 limits

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.