1997 Ford Explorer Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2021
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
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.
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
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
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.
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:
- Event Data Recorders FAQ (iihs.org)
- Who Has Affordable Auto Insurance for a Ford Explorer in Mesa? (MesaInsure.com)
- Tread Depth and Tire Safety (State Farm)
- Understanding Car Crashes Video (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,365|
|Los Angeles, CA||$1,473|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$48|
|5-yr Claim Free||$52|
|Paid in Full/EFT||$28|
Discounts are estimated and may not be available from every company or in every state.