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.

U.S. average insurance rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive insurance costs approximately $296, collision insurance costs $494, and liability costs $354. A policy with just liability insurance costs as little as $406 a year, and coverage for high-risk drivers costs $2,758 or more. Teen drivers pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Expedition models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

The ranges above show why everyone should compare rates using their specific location and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay $178 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,280
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $348 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,758
• The price for full coverage for a teen driver for full coverage can cost $4,688 a year

View Chart as Image

Insurance prices for a Ford Expedition are also quite variable based on your driving record, the trim level of your Expedition, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $530 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Ford Expedition insurance for high-risk drivers can cost as much as 45% to 131% more than average. View High Risk Driver Rates

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 Low Cost Ford Expedition Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a review of the information touched on above.

• Drivers can save around $160 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $391 a month for full coverage
• Increasing physical damage deductibles can save around $525 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,480 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay about $390 each year to go from a low 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.