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.

U.S. average auto insurance rates for a Ford Expedition are $1,240 annually for full coverage. Comprehensive costs an estimated $270, collision insurance costs $458, and liability coverage is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs around $2,676. Teens pay the highest rates at up to $4,612 a year.

Average premium for full coverage: $1,240

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save approximately $166 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,240
• Selecting more expensive low deductibles will cost $1,560
• Unlucky drivers with serious driving violations could pay up to $2,676
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,612

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Insurance prices for a Ford Expedition are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,000 additional each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $339 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Ford Expedition insurance rates. A middle-age driver might find prices as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,770 on average in New York, Louisiana, and Michigan.

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Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Buy the Best Cheap Ford Expedition Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a quick review of the data illustrated above.

• Consumers who want higher liability limits will pay approximately $410 each year to raise from a low limit to higher 250/500 limits
• Drivers can save approximately $150 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $475 each year
• Teenagers are expensive to insure, with premiums as much as $384 a month if they have full coverage

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.