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 auto insurance rates for a Ford Expedition are $1,280 annually for full coverage. Comprehensive insurance costs approximately $296, collision insurance costs $494, and liability insurance is estimated at $354. Liability-only coverage costs approximately $406 a year, and high-risk coverage costs $2,758 or more. Teenage drivers cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, 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

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save $178 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,280
• Using pricier low deductibles for comp and collision coverage costs an additional $348 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,758
• Policy cost with full coverage for a teen driver for full coverage can cost $4,688 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Ford Expedition insurance for high-risk drivers ranges anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $530 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Expedition insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Buy Affordable Ford Expedition Insurance

Finding cheaper rates on Ford Expedition insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the data touched on in this article.

• Drivers who purchase additional liability coverage will pay an extra $390 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers can save around $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $525 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $391 each month if they have full coverage

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.