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 rates for a Ford Expedition are $1,300 a year for full coverage insurance. Comprehensive insurance costs around $320, collision insurance costs $512, and liability costs $332. Liability-only insurance costs as little as $388 a year, and high-risk driver insurance costs $2,782 or more. Teenage drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Expedition trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay about $192 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,300
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $362 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,782
• Policy cost for full coverage for a teen driver with full coverage can be $4,682 a year

View Chart as Image

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

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

Your home state makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $560 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $299 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost as much as 45% to 129% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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

Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a summary of the material that was illustrated above.

• Policyholders who may need increased levels of liability coverage will pay an extra $370 annually to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, possibly costing $390 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,480 more every year to buy Ford Expedition insurance
• Increasing comprehensive and collision deductibles can save around $550 each year

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.