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.

Average insurance rates for a Ford Expedition are $1,280 a year with full coverage. Comprehensive insurance costs on average $296, collision costs $494, and liability is $354. Buying just liability costs around $406 a year, with insurance for high-risk drivers costing $2,758 or more. 16-year-old drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save around $178 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,280
• Buying pricier low deductibles will cost an extra $348 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,758 or more
• The cost for full coverage for a 16-year-old driver for full coverage may cost $4,688

View Chart as Image

Auto insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $530 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost from 45% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different 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 More Affordable Ford Expedition Insurance

Saving money on insurance for a Ford Expedition consists of being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

Below is a summary of the car insurance concepts covered above.

• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,480 more each year for auto insurance
• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $525 each year
• Insureds who require higher levels of liability will pay around $390 every year to raise from a minimum limit to 250/500 limits

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.