1. Vehicles
  2. Ford
  3. Explorer
  4. 2001 Model Year

2001 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 2001 Ford Explorer are $860 a year for full coverage. Comprehensive insurance costs around $126 a year, collision costs $134, and liability insurance costs around $442. Buying a liability-only policy costs as low 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 2001 Ford Explorer Insurance

Comprehensive $126
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2001 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 the average driver, prices range go from as low as $496 for just liability insurance to a high of $1,842 for a driver that may need high-risk insurance.

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

View Chart as Image

2001 Ford Explorer insurance rates compared
Column chart showing 2001 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 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 2001 Ford Explorer Insurance

Searching Companies

Trying to find better car insurance rates for your Ford Explorer? Searching for cheap car insurance online can seem to be impossible for consumers new to buying insurance on the web. When there are so many insurers available, how can anyone effectively compare every one to find the best available price?

It’s a great practice to price shop coverage on a regular basis since insurance rates change regularly. Just because you had the lowest price for Explorer insurance a couple years back the chances are good that you can find a lower rate today. There is too much inaccurate information about car insurance online, so by reading this article, you’re going to learn the best ways to slash your car insurance rates.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Shopping for the best coverage is easy if you know what you’re doing. But vehicle owners must understand the way insurance companies market on the web because it can help you find the best coverage.

The best way to compare rates utilizes the fact most of the bigger providers participate in online systems to quote your coverage. All you need to do is give the companies some data including any included safety features, if you have an active license, your job, and whether the vehicles are used for commuting. That information is instantly submitted to insurance carriers in your area and they return quotes very quickly.

To find lower rates now, click here and find out if lower rates are available.

When should I talk to an agent?

When it comes to buying the best insurance coverage coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Is my teen driver covered when they drive my company car?
  • Is my cargo covered for damage or theft?
  • When does my teenage driver need to be added to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have a DUI can I still get coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane, a broken windshield and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your Explorer from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as hospital visits, funeral costs, nursing services and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, loss of income, structural damage, legal defense fees and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2001 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

2001 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

2001 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

2001 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

2001 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