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 prices for a Ford Expedition are $1,240 every 12 months with full coverage. Comprehensive insurance costs approximately $270, collision insurance costs $458, and liability coverage costs $376. A liability-only policy costs as little as $426 a year, and high-risk insurance costs $2,676 or more. 16-year-old drivers receive the highest rates at up to $4,612 a year.

Average premium for full coverage: $1,240

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $715
• Drivers who choose higher $1,000 deductibles will pay $166 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,240
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $320 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,676
• The cost to insure a teenage driver with full coverage can cost $4,612 a year

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Expedition.

Opting for high physical damage deductibles could save up to $490 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Ford Expedition insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,670 on average in New York, Michigan, and Florida.

View Chart as Image

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 Shop for Low Cost Ford Expedition Insurance

Saving money on auto insurance not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a review of the car insurance concepts covered in the charts and tables above.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,440 more per year than a safer driver
• You may be able to save around $150 per year just by shopping early and online
• Increasing deductibles could save as much as $475 each year
• Consumers who purchase an increased level of liability coverage will pay around $410 every year to go from a minimum limit to a 250/500 level

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.