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 $1,280 every 12 months for full coverage. Comprehensive costs an estimated $296, collision insurance costs $494, and liability costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs around $2,758. Teens receive the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,280

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Expedition trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using averaged prices.

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

Rate Comparisons

The chart below shows average Ford Expedition insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save approximately $178 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,280
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,628
• Drivers with serious driving violations could pay up to $2,758
• The cost to insure a teen driver with full coverage can cost as much as $4,688 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $530 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared 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 could be paying $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be as much as 45% to 131% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Ford Expedition insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, 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 the Best Cheap Ford Expedition Insurance

Saving money on car insurance requires having a good driving record, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick review of the information covered above.

• Drivers can save approximately $160 per year just by shopping early and online
• Drivers age 20 and younger are expensive to insure, costing as high as $391 per month if full coverage is included
• Increasing deductibles could save as much as $525 each year
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,480 more annually to buy Ford Expedition insurance
• Policyholders who want increased levels of liability coverage will pay approximately $390 each year to increase from a minimum limit to a 250/500 level

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.