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 for full coverage insurance. Comprehensive costs approximately $296 a year, collision insurance costs $494, and liability is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $2,758. Teenage drivers 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:

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save $1,102 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,280
• Using low $100 deductibles for comp and collision coverage increases the price to $1,628
• Unlucky drivers who are prone to accidents and violations could pay around $2,758
• Policy cost to insure a teen driver can cost $4,688 each year

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 model of your Expedition.

Using high physical damage deductibles can save as much as $530 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark 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 anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

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 Cheapest Ford Expedition Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop every year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a recap of the coverage data touched on in the above illustrations.

• It is possible to save around $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $391 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents may have to pay on average $1,480 more per year to insure a Ford Expedition

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.