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 $1,286 every 12 months for full coverage insurance. Comprehensive costs on average $306, collision insurance costs $506, and liability coverage costs around $338. A liability-only policy costs as low as $394 a year, and high-risk insurance costs around $2,770. Teens cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $739
• Using higher $1,000 deductibles will save around $182 each year
• The average price for a good driver age 40 with $500 deductibles is $1,286
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,644
• Higher-risk drivers with serious driving violations could pay upwards of $2,770
• Policy cost to insure a teenage driver with full coverage may cost $4,682 or more

View Chart as Image

Car insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Expedition.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $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 are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 45% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,740 on average in Michigan, New York, and Florida.

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 Affordable Ford Expedition Insurance

Finding cheaper rates on auto insurance requires being a good driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The following list is a brief review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, possibly costing $390 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions pay on average $1,480 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• It is possible to save as much as $160 per year just by shopping early and online

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.