1. Vehicles
  2. Ford
  3. Explorer
  4. 1995 Model Year

1995 Ford Explorer Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Mar 6, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 1995 Ford Explorer are $860 a year for full coverage. Comprehensive costs around $126, collision costs $134, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,842. Teen drivers receive the highest rates at $3,560 a year or more.

Annual premium for full coverage: $860

Rate estimates for 1995 Ford Explorer Insurance

Comprehensive $126
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1995 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 driver in their 40's, prices range go from as low as $496 for only liability insurance to the much higher price of $1,842 for a driver who has had serious violations or accidents.

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

View Chart as Image

1995 Ford Explorer insurance rates compared
Column chart showing 1995 Ford Explorer insurance prices range from $537 to $3,560 for full coverage

These differences show why everyone should compare rates for a specific zip code and risk profile, rather than relying on price averages.

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 1995 Ford Explorer Insurance

Searching Companies

Searching for the cheapest car insurance rates for your Ford Explorer? Finding lower premiums on car insurance can seem to be hard for people who are new to comparing rates online. You have so many companies to choose from that it can turn into a ton of work to find the best price.

You need to get comparison quotes before your policy renews because insurance rates are constantly changing. If you had the lowest price for Explorer insurance on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out one of the best ways to get good coverage at a lower rate.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. Nevertheless, consumers do need to learn how the larger insurance companies price online insurance.

Save with discounts on Ford Explorer insurance

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some may not be applied and must be asked about before being credited.

  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • New Car Discount – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Explorer insurance than less cautious drivers.
  • Claim Free – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Accident Forgiveness – Some insurance companies allow you one accident without raising rates if you are claim-free for a set time period.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will cut the amount you have to pay.

For a list of insurers with discount insurance rates, click here to view.

These factors can influence what you pay for Ford Explorer insurance

An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

  • Younger drivers pay higher rates – Teen drivers have a tendency to be less responsible when driving so they pay higher car insurance rates. Having to add a teen driver onto your car insurance can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Tickets mean higher rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even one moving violation can bump up the cost by twenty percent. Drivers who have flagrant citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Having a spouse can save you money – Having a spouse actually saves money on your policy. Having a significant other is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • Is there coverage for injuries to my pets?
  • Exactly who is provided coverage by my policy?
  • Are rock chip repairs covered?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Can you really save that much by switching?

Companies like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the ads make the same claim of big savings if you move your coverage to them. How does each company make the same claim?

All the different companies can use profiling for the driver that makes them money. A good example of a preferred risk could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any driver who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential customers who don’t meet the “perfect” profile will be charged higher prices which leads to business not being written. The ads state “customers who switch” not “people who quote” save that much money. This is how insurance companies can advertise the way they do.

That is why you absolutely need to get as many comparisons as possible. Because you never know which insurance coverage company will have the lowest Ford Explorer insurance rates.

Car insurance coverages for a 1995 Ford Explorer

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This coverage pays to fix your vehicle from 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 can pay for claims like damage from getting keyed, damage from flooding, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like doctor visits, ambulance fees, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as court costs, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Be Smart and Buy Smart

When shopping online for insurance, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price.

Cheaper 1995 Ford Explorer insurance is attainable both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of tips how to compare insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small local company.

Additional insurance information is located at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1995 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?

Choose your model and trim below

Rates by Driver Age

1995 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

1995 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

1995 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

1995 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles