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.

Estimated insurance prices for a Ford Expedition are $1,280 every 12 months including full coverage. Comprehensive insurance costs an estimated $296, collision costs $494, and liability is estimated at $354. Liability-only coverage costs approximately $406 a year, with high-risk coverage costing $2,758 or more. 16-year-old drivers pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates broken down by type of coverage:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how location impacts insurance prices.

These rate differences highlight why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down estimated Ford Expedition insurance rates for other coverage scenarios.

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save approximately $178 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,280
• Buying pricier low deductibles for comp and collision coverage costs an extra $348 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,758 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $4,688 each year

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $530 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra annually, depending on your age. Ford Expedition insurance for high-risk drivers ranges from 45% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Ford Expedition insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

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 Shop for More Affordable Ford Expedition Insurance

Finding better rates on insurance for a Ford Expedition takes not taking risks behind the wheel, having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the car insurance concepts touched on above.

• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,480 more annually for Expedition insurance
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $525 each year
• Insureds who want higher liability limits will pay around $390 per year to raise limits from 30/60 bodily injury limits 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.