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 rates for a Ford Expedition are $1,280 a year with full coverage. Comprehensive costs approximately $296, collision costs $494, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing around $2,758. Teenage drivers pay the most at $4,688 a year or more.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Expedition models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why everyone should compare prices using their specific location, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best discount rate is $735
• Using higher $1,000 deductibles will save $178 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,280
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,628
• Higher-risk drivers who are prone to accidents and violations could pay around $2,758 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost $4,688 or more

View Chart as Image

Insurance prices for a Ford Expedition also have a wide range based on the model of your Expedition, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. Ford Expedition insurance for high-risk drivers can be around 45% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $530 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, 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 Find the Right Ford Expedition Insurance

Finding better rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices every other policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

Below you'll find a quick rundown of the ideas that were touched on in the above illustrations.

• Youthful drivers are expensive to insure, possibly costing $391 per month if full coverage is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,480 more per year than a low-risk driver
• Increasing policy deductibles can save approximately $525 each year
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date

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.