1. Vehicles
  2. Ford
  3. Explorer
  4. 1997 Model Year

1997 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: Nov 17, 2021

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 1997 Ford Explorer are $860 a year with full coverage. Comprehensive insurance costs an estimated $126 a year, collision costs $134, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,842 or more. Teen drivers receive the highest rates at $3,560 a year or more.

Annual premium for full coverage: $860

Rate estimates for 1997 Ford Explorer Insurance

Comprehensive $126
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1997 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 go from as low as $496 for the bare minimum liability coverage to a high of $1,842 for a high risk driver.

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

View Chart as Image

1997 Ford Explorer insurance rates compared
Column chart showing 1997 Ford Explorer insurance prices range from $537 to $3,560 for full coverage

These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based 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 1997 Ford Explorer Insurance

Searching Companies

Trying to find better insurance coverage rates for your Ford Explorer? Searching for better insurance prices for your Ford Explorer could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to buy insurance coverage so we’re going to tell you the best way to get price quotes on a Ford and find the lowest possible price from both online companies and local agents.

Save big with these discounts

Auto insurance companies don’t always advertise every discount very well, so here is a list some of the more common and the more hidden ways to save on car insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • College Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • Homeowners Discount – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Companies who might offer some of the above discounts may include but are not limited to:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Check with each company how you can save money. Savings may not be available everywhere.

The best way we recommend to compare insurance rates from multiple companies is to know most of the bigger providers provide online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information including deductibles desired, daily mileage, how much school you completed, and the ages of drivers. That rating data is sent automatically to all major companies and they respond with quotes with very little delay.

To start a rate quote now, click here and enter your coverage details.

But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out if you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my insurance cover my expensive audio equipment?
  • Does insurance cover damages from a DUI accident?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does coverage extend to my business vehicle?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Explorer.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hail damage, a tree branch falling on your vehicle, vandalism and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects, bail bonds, court costs and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Explorer from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, nursing services, ambulance fees and EMT expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Discount 1997 Ford Explorer insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of tips how to save on insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best prices are with a lesser-known regional company.

More tips and info about insurance coverage can be read at these sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1997 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

1997 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

1997 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

1997 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

1997 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