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 rates for a Ford Expedition are $1,280 a year for full coverage. Comprehensive costs on average $296 a year, collision insurance costs $494, and liability is $354. Liability-only coverage costs around $406 a year, and high-risk coverage 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 by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

These examples show why it is important to compare rates quotes based on a 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.

Rates by State, City, and Model

The chart below shows average Ford Expedition insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save around $1,102 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,280
• Choosing low $100 deductibles will increase the cost to $1,628
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,758
• The cost for full coverage for a 16-year-old driver may cost $4,688

View Chart as Image

Car insurance rates for a Ford Expedition can also vary considerably based on your driver profile, the trim level of your Expedition, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you live also has a big influence on Ford Expedition insurance prices. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $530 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and 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 the Best Ford Expedition Insurance

Saving money on insurance for a Ford Expedition consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The items below are a brief recap of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations will pay on average $1,480 more each year to insure their Expedition
• Drivers can save as much as $160 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Insureds who require more liability coverage will pay about $390 each year to raise from a minimum limit to 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.