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 with 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:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Expedition trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below details 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 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,280
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $348 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,758
• The price for full coverage for a 16-year-old driver with 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 and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low 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 $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $530 annually, while increasing your policy's liability limits will push prices upward. Moving 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 may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost from 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 Cheaper Ford Expedition Insurance

Getting lower rates on insurance for a Ford Expedition not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every other renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were touched on above.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,480 more per year to insure their Expedition
• Teen drivers are expensive to insure, costing up to $391 a month for full coverage
• You may be able to save around $160 per year just by shopping early and online
• Increasing physical damage deductibles can save around $525 each year
• You may be able to save around $160 per year just by shopping early and online

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.