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1991 Ford Explorer Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 6, 2020

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Average insurance rates for a 1991 Ford Explorer are $860 a year with full coverage. Comprehensive insurance costs an estimated $126 each year, collision insurance costs $134, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,842 or more. Teenage drivers receive the highest rates at up to $3,560 a year.

Annual premium for full coverage: $860

Rate estimates for 1991 Ford Explorer Insurance

Comprehensive $126
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Ford Explorer models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $496 for only liability insurance to a high rate of $1,842 for a high risk driver.

Liability Only $496
Full Coverage $860
High Risk $1,842

View Chart as Image

1991 Ford Explorer insurance rates compared
Column chart showing 1991 Ford Explorer insurance prices range from $537 to $3,560 for full coverage

These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1991 Ford Explorer Insurance

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Searching for cheaper car insurance rates for your Ford Explorer? If online car insurance comparisons are new to you, you can be overwhelmed by the vast number of car insurance companies competing for business.

The best way we recommend to compare car insurance rates is to know most insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as how much education you have, how much you drive, your job, and if you require a SR-22. The data is then submitted to many of the top insurers and you should receive rate quotes very quickly.

To find lower rates now, click here then complete the form.

When might I need an agent?

When it comes to choosing the best auto insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Why am I required to buy liability insurance?
  • Does car insurance cover theft of personal property?
  • Do I need motorclub coverage?
  • Am I covered if I wreck a rental car?
  • Is my state a no-fault state?
  • Am I covered when driving in Canada or Mexico?
  • Does my car insurance cover rental cars?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

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Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, driving through your garage door, colliding with a tree, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Explorer.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, prosthetic devices, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, a broken windshield, hitting a bird and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1991 Ford Explorer Insurance Rates by City
City Premium
New York City, NY $1,365
Los Angeles, CA $1,473
Philadelphia, PA $1,151
Jacksonville, FL $1,250
Phoenix, AZ $1,002
Chicago, IL $1,156
Houston, TX $1,349
Seattle, WA $842
Columbus, OH $721
Indianapolis, IN $735

Need a specific model?

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Rates by Driver Age

1991 Ford Explorer Insurance Rates by Driver Age
Driver Age Premium
16 $3,560
20 $1,964
30 $870
40 $860
50 $792
60 $774

Full coverage, $500 deductibles

Rates by Deductible

1991 Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $974
$250 $922
$500 $860
$1,000 $802

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $860
50/100 $948
100/300 $1,059
250/500 $1,346
100 CSL $993
300 CSL $1,236
500 CSL $1,413

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $4,984
20 $3,124
30 $1,848
40 $1,842
50 $1,764
60 $1,746

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $111

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $46
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $52
Paid in Full/EFT $28
Advance Quote $35
Online Quote $56
Total Discounts $323
Rate after discounts $537

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1991 Ford Explorer Insurance Rates by State
State Premium
Alabama $780
Alaska $662
Arizona $716
Arkansas $860
California $982
Colorado $822
Connecticut $886
Delaware $976
Florida $1,078
Georgia $794
Hawaii $618
Idaho $584
Illinois $642
Indiana $650
Iowa $580
Kansas $820
Kentucky $1,176
Louisiana $1,278
Maine $532
Maryland $712
Massachusetts $692
Michigan $1,498
Minnesota $720
Mississippi $1,034
Missouri $764
Montana $926
Nebraska $680
Nevada $1,034
New Hampshire $622
New Jersey $964
New Mexico $764
New York $910
North Carolina $496
North Dakota $706
Ohio $596
Oklahoma $886
Oregon $790
Pennsylvania $822
Rhode Island $1,150
South Carolina $780
South Dakota $728
Tennessee $756
Texas $1,038
Utah $640
Vermont $590
Virginia $516
Washington $668
West Virginia $790
Wisconsin $598
Wyoming $768

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