How Much Is Auto Insurance for a Ford Expedition?
The average annual premium for a Ford Expedition is $1,816 for full coverage. That breaks down to $151 monthly. That’s similar to the national average for auto insurance at $148. Drivers who choose the state-required minimum liability will average $48 monthly.
Even though full coverage is more expensive, it offers greater protection and peace of mind. However, for the cheapest coverage, choose the state minimum. You can always increase the limits if you want an additional layer of protection.
A friendly and knowledgeable Freeway Insurance agent is always ready to help you research and find the best options for your unique situation.
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Comparing Insurance Costs for Your Expedition to Other Vehicles
Expedition drivers pay a different premium than drivers of other vehicles in the same segment (e.g., Toyota Highlander and Chevrolet Equinox) thanks to varying costs of parts/labor, recall records, body style, safety features, and similar variables.
|Make/Model||Annual Full Coverage Insurance|
|Jeep Grand Cherokee||$1,531|
Types of Car Insurance Coverage for Your Expedition
Ford Expedition drivers can take advantage of several auto insurance options, including state minimum liability and full coverage.
Full coverage is a type of auto insurance that packages liability, collision, and comprehensive coverage. Liability provides third-party benefits, whereas collision and comprehensive provide first-party benefits to you, your passengers, and your vehicle.
Collision helps pay for repairs after a wreck. In turn, comprehensive coverage pays for damages due to non-collision-related events outside your control, such as vandalism, natural disasters, theft, and hail.
If your state does not require them, you can opt for other types of coverages including uninsured/underinsured motorist coverage, personal injury protection (PIP), medical payments (MedPay), roadside assistance, and rental car reimbursement,
Thanks to the greater protection offered by full coverage over minimum liability, expect to pay several hundred dollars more per year for the privilege. However, you would be protected against a broader range of scenarios for greater peace of mind.
State Minimum Liability
All states require drivers to carry minimum liability coverage limits for bodily injury and property damage. It is intended to provide third-party benefits, covering the cost of bodily injury and property damage to others after an at-fault accident.
All required minimums for bodily injury and property damage liability vary by state, expressed as three numbers. For example, California requires that all drivers carry a 15/30/5 policy, which translates to $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability.
We highly recommend that you carry higher liability limits than your state minimums. State minimum liability is often needed to cover all accident costs. Even a single fender bender can resulting damages exceeding your bodily injury and property damage limits.
How Does a DUI Affect Insurance Rates for a Ford?
DUIs have a very detrimental effect on your auto insurance rates.
Anyone convicted of a DUI can expect auto insurance premiums to rise significantly, doubling, or even tripling, depending on the severity of the offense. The higher your blood alcohol content (BAC) level, the larger the insurance rate increase. Rate increases typically take effect for a minimum of three years.
In addition, depending on your state, you will be required to file an SR-22 with a state, a proof of financial responsibility confirming you carry the minimum required coverage to drive legally.
Other penalties for DUI convictions include loss of discounts, outright suspension or cancellation of your policy, and reclassification as a high-risk driver who is no longer eligible for standard auto insurance, but non-standard DUI insurance with higher rates.
What Are Some Auto Insurance Discounts?
Fortunately, Ford Expedition drivers can take advantage of various auto insurance discounts and incentives. They typically fall under three key categories: policy, driver behavior, and driver characteristic-related discounts.
- Policy discounts and reward drivers in exchange for how they structure their policy. For example, a multi-vehicle can help you save anywhere from 10% to 25% off your total premium for insuring more than one vehicle with the same provider, likewise with bundling for purchasing multiple policies from the same insurer (e.g., home and auto) with savings on each policy.
- Driver behavior discounts extend to drivers who maintain clean driving records with no claims, at-fault accidents, are moving violations for the past three to five years. Other driver behavior discounts include low mileage and telematics discounts, offered in exchange for using a Bluetooth Beacon, OBD-II port device, or a smartphone app to track your driving behaviors, all of which provide real-time feedback to insurers.
- Lastly, driver characteristic discounts reward you for being affiliated. Members of select trade organizations, military personnel, veterans, teachers, and senior citizens are just four of the multiple audience groups that can benefit.
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What Are Some of the Characteristics Of the Expedition?
This is a vehicle in the large SUV segment.
It comes in six trims: XL STX, XLT, Limited, Timberline, King Ranch, and Platinum, and one engine option, a twin-turbocharged V6 with 10-speed automatic transmission.
Standard features include a 12-inch touch screen, tri-zone automatic clima22-speaker control, four USB ports, and Apple CarPlay/Android Auto compatibility. Upgrading to higher trims ads massaging front seats, adaptive suspension damping, and a larger 15.5-inch touch screen, along with a 22-speaker Bang and Olufsen stereo system.
Main competitors are the Chevrolet Equinox, Jeep Grand Cherokee, Toyota Highlander, and Honda CR-V.
Find the Best Car Insurance Rates for Your Ford Expedition Online Today
If you want to explore all of your auto insurance options, Freeway Insurance is ready to offer a helping hand. Starting with Freeway Insurance is very easy. Request a quote online, call 800-777-5620 to speak with one of our agents, or visit one of our offices in person. Don’t hesitate to get in touch with us today!