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 rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive costs approximately $296 each year, collision costs $494, and liability is $354. A liability-only policy costs around $406 a year, with high-risk insurance costing around $2,758. Teen drivers cost the most to insure at $4,688 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and risk profile, instead of using price averages.

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

Detailed Rate Analysis

The chart below shows estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save $178 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,280
• Choosing low deductibles will increase the cost to $1,628
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,758 or more
• Policy cost for full coverage for a teen driver can cost $4,688

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

Your home state also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $530 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Cheap Ford Expedition Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,480 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $391 each month if full coverage is included
• Drivers can save around $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers can save around $160 per year simply 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.