1. Vehicles
  2. Ford
  3. Expedition

Ford Expedition Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $320
Collision $512
Liability $332

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

For a 40-year-old driver, Ford Expedition insurance rates range from as low as $388 for the bare minimum liability coverage to a much higher rate of $2,782 for high-risk insurance.

Liability Only $388
Full Coverage $1,300
High Risk $2,782

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.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Ford Expedition insurance cost comparison chart
Column chart showing Ford Expedition insurance prices range from $748 to $4,682 for full coverage

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.

Ford Expedition Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$128 -9.8%
Alaska $996 -$304 -23.4%
Arizona $1,076 -$224 -17.2%
Arkansas $1,300 -$0 0.0%
California $1,478 $178 13.7%
Colorado $1,238 -$62 -4.8%
Connecticut $1,332 $32 2.5%
Delaware $1,466 $166 12.8%
Florida $1,620 $320 24.6%
Georgia $1,200 -$100 -7.7%
Hawaii $932 -$368 -28.3%
Idaho $878 -$422 -32.5%
Illinois $964 -$336 -25.8%
Indiana $980 -$320 -24.6%
Iowa $876 -$424 -32.6%
Kansas $1,232 -$68 -5.2%
Kentucky $1,770 $470 36.2%
Louisiana $1,920 $620 47.7%
Maine $802 -$498 -38.3%
Maryland $1,072 -$228 -17.5%
Massachusetts $1,034 -$266 -20.5%
Michigan $2,254 $954 73.4%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,552 $252 19.4%
Missouri $1,152 -$148 -11.4%
Montana $1,394 $94 7.2%
Nebraska $1,022 -$278 -21.4%
Nevada $1,556 $256 19.7%
New Hampshire $934 -$366 -28.2%
New Jersey $1,452 $152 11.7%
New Mexico $1,148 -$152 -11.7%
New York $1,364 $64 4.9%
North Carolina $746 -$554 -42.6%
North Dakota $1,064 -$236 -18.2%
Ohio $892 -$408 -31.4%
Oklahoma $1,330 $30 2.3%
Oregon $1,188 -$112 -8.6%
Pennsylvania $1,236 -$64 -4.9%
Rhode Island $1,730 $430 33.1%
South Carolina $1,176 -$124 -9.5%
South Dakota $1,096 -$204 -15.7%
Tennessee $1,136 -$164 -12.6%
Texas $1,566 $266 20.5%
Utah $960 -$340 -26.2%
Vermont $886 -$414 -31.8%
Virginia $776 -$524 -40.3%
Washington $1,000 -$300 -23.1%
West Virginia $1,190 -$110 -8.5%
Wisconsin $898 -$402 -30.9%
Wyoming $1,156 -$144 -11.1%

View Chart as Image

Ford Expedition insurance rates by U.S. city

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

Ford Expedition Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Expedition SSV 2WD $1,170 $98
Ford Expedition SSV 4WD $1,256 $105
Ford Expedition XLT 2WD $1,256 $105
Ford Expedition XLT 4WD $1,300 $108
Ford Expedition Eddie Bauer 2WD $1,342 $112
Ford Expedition Eddie Bauer 4WD $1,342 $112
Ford Expedition Limited 2WD $1,342 $112
Ford Expedition King Ranch 2WD $1,384 $115
Ford Expedition King Ranch 4WD $1,384 $115
Ford Expedition Limited 4WD $1,384 $115

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.

Ford Expedition Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Expedition $320 $512 $332 $1,300
2019 Ford Expedition $306 $506 $338 $1,286
2018 Ford Expedition $296 $494 $354 $1,280
2017 Ford Expedition $286 $474 $364 $1,260
2016 Ford Expedition $270 $458 $376 $1,240
2015 Ford Expedition $260 $424 $384 $1,204
2014 Ford Expedition $250 $400 $388 $1,174
2013 Ford Expedition $240 $358 $390 $1,124
2012 Ford Expedition $224 $330 $390 $1,080
2011 Ford Expedition $216 $310 $394 $1,056
2010 Ford Expedition $210 $288 $402 $1,036
2009 Ford Expedition $194 $268 $402 $1,000
2008 Ford Expedition $190 $244 $406 $976
2007 Ford Expedition $176 $222 $402 $936
2006 Ford Expedition $166 $202 $402 $906
2005 Ford Expedition $162 $182 $398 $878
2004 Ford Expedition $158 $178 $390 $862
2003 Ford Expedition $156 $168 $384 $844
2002 Ford Expedition $142 $160 $380 $818
2001 Ford Expedition $138 $152 $376 $802

Rates are averaged for all Ford Expedition models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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:

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.

Rates by Driver Age

Ford Expedition Insurance Rates by Driver Age
Driver Age Premium
16 $4,682
20 $2,954
30 $1,362
40 $1,300
50 $1,182
60 $1,160

Full coverage, $500 deductibles

Rates by Deductible

Ford Expedition Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,662
$250 $1,496
$500 $1,300
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Ford Expedition Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,450
100/300 $1,533
250/500 $1,749
100 CSL $1,484
300 CSL $1,666
500 CSL $1,799

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Expedition Insurance Rates for High Risk Drivers
Age Premium
16 $6,696
20 $4,694
30 $2,856
40 $2,782
50 $2,650
60 $2,624

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $61
Advance Quote $64
Online Quote $93
Total Discounts $552
Rate after discounts $748

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles