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 insurance prices for a Ford Expedition are $1,286 every 12 months including full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $506, and liability costs $338. Liability-only coverage costs as little as $394 a year, and high-risk coverage costs $2,770 or more. Teenage drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay $182 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,286
• Using low deductibles for comprehensive and collision insurance costs an extra $358 annually
• Drivers who are prone to accidents and violations could pay around $2,770
• The cost to insure a 16-year-old driver can cost $4,682 a year

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Expedition.

Using high physical damage deductibles could save up to $540 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,840 on average in Louisiana, New York, 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 Shop for Low Cost Ford Expedition Insurance

Saving money on insurance for a Ford Expedition not only requires avoiding accidents and claims, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Take the time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The points below are a review of the material that was covered in the above illustrations.

• Insureds who purchase increased liability limits will pay an extra $370 per year to go from a minimum limit to a 250/500 level
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $390 per month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,480 more per year to insure a Ford Expedition
• Increasing deductibles could save as much as $550 each year

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.