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.

Estimated insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive insurance costs around $306, collision insurance costs $506, and liability costs $338. A liability-only policy costs as little as $394 a year, and high-risk insurance costs $2,770 or more. Teenage drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,286

Premium estimates for type of coverage:

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Expedition trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay about $182 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,286
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $358 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,770
• An auto insurance policy to insure a teen driver with full coverage can be $4,682 a year

View Chart as Image

Auto insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could save up to $540 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,840 on average in Michigan, New York, and Louisiana.

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 the Best Cheap Ford Expedition Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around every year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the coverage data raised in the charts and tables above.

• You may be able to save up to $160 per year just by shopping early and online
• Increasing policy deductibles could save as much as $550 each year
• Drivers age 20 and younger are expensive to insure, with the cost nearing $390 per month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more every year to buy Ford Expedition insurance

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.