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 an estimated $306, collision costs $506, and liability coverage costs $338. A liability-only policy costs as little as $394 a year, with high-risk insurance costing $2,770 or more. Teenage drivers receive the highest rates at $4,682 a year or more.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Ford Expedition insurance rates for other coverage scenarios.

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay approximately $182 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,286
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $358 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,770 or more
• The cost to insure a teenage driver for full coverage can cost as much as $4,682 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $540 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $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 $1,500 to $2,100 extra per year, depending on your age. Ford Expedition insurance for high-risk drivers can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Ford Expedition insurance rates. 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

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates can be significantly 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 Shop for the Best Cheap Ford Expedition Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a quick review of the data that was covered in the above illustrations.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Consumers who want higher liability limits will pay an extra $370 per year to go from a minimum limit to a 250/500 level
• Teens are charged the highest rates, as much as $390 per month if they have full coverage
• Drivers with a DUI or reckless driving violation may have to pay on average $1,480 more annually for Expedition insurance

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.