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 $1,240 every 12 months for full coverage. Comprehensive insurance costs around $270, collision costs $458, and liability insurance is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing $2,676 or more. Teen drivers cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,240

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Expedition models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Ford Expedition insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $715
• Raising to $1,000 deductibles will save about $166 a year
• The average price for a good driver age 40 using $500 deductibles is $1,240
• Choosing pricier low deductibles costs an extra $320 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,676 or more
• Policy cost to insure a teen driver for full coverage can be $4,612

View Chart as Image

Insurance rates for a Ford Expedition also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $490 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $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 could be paying at least $1,500 to $2,000 additional every year, depending on your age. Ford Expedition insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Ford Expedition insurance rates. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 More Affordable Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a summary of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, costing up to $384 each month if full coverage is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,440 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date

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.