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2000 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 ...

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UPDATED: Mar 6, 2020

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Average insurance rates for a 2000 Ford Explorer are $860 a year for full coverage. Comprehensive insurance costs approximately $126 a year, collision costs $134, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,842 or more. Teenage drivers receive the highest rates at $3,560 a year or more.

Annual premium for full coverage: $860

Rate estimates for 2000 Ford Explorer Insurance

Comprehensive $126
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2000 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 just liability coverage to a high 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

2000 Ford Explorer insurance rates compared
Column chart showing 2000 Ford Explorer insurance prices range from $537 to $3,560 for full coverage

These differences show why it is important for drivers to compare prices using their specific location and risk profile, rather than using 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 2000 Ford Explorer Insurance

Searching Companies

Want the cheapest car insurance rates for your Ford Explorer? Tired of paying out the nose to buy car insurance? You are in the same boat as most other car owners.

Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.

Best discounts on 2000 Ford Explorer coverage

Companies that sell car insurance do not list every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Explorer coverage with select insurance companies.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

To see a list of providers who offer insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • What is no-fault insurance?
  • Is rental equipment covered for theft or damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover my expensive audio equipment?
  • Am I missing any policy discounts?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

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Car insurance coverages for a Ford Explorer

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, funeral costs and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Explorer resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, scraping a guard rail, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto insurance

Comprehensive insurance 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 coverage pays for claims such as a broken windshield, falling objects, damage from flooding, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Smart consumers save more

In this article, we presented many tips how you can save on 2000 Ford Explorer insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Lower-priced insurance is available on the web and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. In many instances, an insured dropped full coverage to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.

To learn more, feel free to visit these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2000 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

2000 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

2000 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

2000 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

2000 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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