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 with full coverage. Comprehensive costs on average $296, collision insurance costs $494, and liability costs around $354. Liability-only insurance costs as low as $406 a year, and high-risk driver insurance costs around $2,758. Teens cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save around $178 annually
• The average price for a good driver age 40 with $500 deductibles is $1,280
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,628
• High-risk insureds with serious driving violations could pay upwards of $2,758
• Policy cost to insure a 16-year-old driver for full coverage may cost $4,688 or more

View Chart as Image

Auto insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Expedition.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $530 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay 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 may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Ford Expedition insurance for high-risk drivers can be from 45% to 131% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.

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 More Affordable Ford Expedition Insurance

Finding cheaper rates on insurance for a Ford Expedition requires avoiding accidents and violations, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The list below is a summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,480 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teenagers are charged the highest rates, as much as $391 each month if comprehensive and collision insurance is included

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.