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.

Average auto insurance rates for a Ford Expedition are $1,280 annually with full coverage. Comprehensive costs around $296, collision insurance costs $494, and liability coverage costs around $354. A liability-only policy costs as low as $406 a year, and high-risk insurance costs around $2,758. Teen drivers receive the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below details average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save about $178 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,280
• Choosing more expensive low deductibles for physical damage coverage will cost $1,628
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,758
• The cost with full coverage for a teenage driver with full coverage can be $4,688 or more

View Chart as Image

Insurance rates for a Ford Expedition can also vary considerably based on the trim level of your Expedition, your driving record, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be around 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $530 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,730 on average in Florida, Michigan, and New York.

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 Cheap Ford Expedition Insurance

Saving money on auto insurance requires being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief summary of the information covered in the charts and tables above.

• You may be able to save up to $160 per year just by shopping early and online
• Youthful drivers pay higher rates, with premiums as much as $391 per month including comprehensive and collision insurance
• Increasing deductibles could save up to $525 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,480 more every year than a low-risk driver
• Consumers who may need more liability protection will pay about $390 every year to increase from a minimum limit to higher 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.