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 $1,240 a year for full coverage. Comprehensive insurance costs approximately $270 each year, collision insurance costs $458, and liability insurance costs around $376. Buying just liability costs as low as $426 a year, and insurance for high-risk drivers costs $2,676 or more. Teenage drivers receive the highest rates at up to $4,612 a year.

Average premium for full coverage: $1,240

Rate estimates by individual coverage type:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Expedition models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

These examples show why all drivers should compare prices using their specific location and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows average Ford Expedition insurance rates for additional coverage and risk scenarios.

• The best discount rate is $715
• Using higher $1,000 deductibles will save $166 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,240
• Using low deductibles for physical damage coverage will cost an extra $320 a year
• Drivers who are prone to accidents and violations could pay around $2,676
• The cost for full coverage for a teen driver can cost $4,612 or more

View Chart as Image

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

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford Expedition insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,770 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Low Cost Ford Expedition Insurance

Saving money on Ford Expedition insurance requires being a low-risk driver, having good credit, eliminating unneeded coverage, and possibly higher deductibles. Spend time shopping around every year by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a review of the coverage data touched on above.

• Drivers can save around $150 per year just by quoting online in advance
• Increasing deductibles can save around $475 each year
• Teen drivers have the highest car insurance rates, costing as high as $384 per month if they have full coverage
• High-risk drivers who have several accidents or serious violations may pay on average $1,440 more per year to insure their Expedition

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.