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2009 Ford Explorer Insurance Rates

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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 2009 Ford Explorer are $1,048 a year for full coverage insurance. Comprehensive insurance costs an estimated $180, collision insurance costs $236, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,252 or more. Teenage drivers receive the highest rates at up to $4,182 a year.

Annual premium for full coverage: $1,048

Rate estimates for 2009 Ford Explorer Insurance

Comprehensive $180
Collision $236
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 range from as low as $522 for the bare minimum liability coverage to the much higher price of $2,252 for a high risk driver.

Liability Only $522
Full Coverage $1,048
High Risk $2,252

View Chart as Image

2009 Ford Explorer insurance rates compared
Column chart showing 2009 Ford Explorer insurance prices range from $634 to $4,182 for full coverage

These differences illustrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on 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 2009 Ford Explorer Insurance

Searching Companies

Searching for better auto insurance rates for your Ford Explorer? Overpriced Ford Explorer insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to discover the definitive best rates possible.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is not rocket science. But car owners need to have an understanding of the methods companies use to sell insurance online because it can help you find the best coverage.

The quickest method to compare insurance rates from multiple companies is to know the fact most of the bigger providers actually pay money for the chance to compare rate quotes. To get started, all you need to do is take a few minutes to give details like if a SR-22 is needed, how much coverage you want, how much school you completed, and daily mileage. Your information is instantly provided to multiple different insurance companies and you will receive price estimates almost instantly.

To find lower rates now, click here and enter your coverage details.

Insurance agents can help

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • What is the ISO rating for a 2009 Ford Explorer?
  • Do I need roadside assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving a rental car?
  • What is medical payments coverage?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

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Auto insurance specifics

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like court costs, repair bills for other people’s vehicles, bail bonds, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your Explorer resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, rolling your car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Ford Explorer Insurance Rates by City
City Premium
New York City, NY $1,653
Los Angeles, CA $1,791
Philadelphia, PA $1,400
Jacksonville, FL $1,522
Phoenix, AZ $1,215
Chicago, IL $1,404
Houston, TX $1,641
Seattle, WA $1,021
Columbus, OH $876
Indianapolis, IN $888

Need a specific model?

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Rates by Driver Age

2009 Ford Explorer Insurance Rates by Driver Age
Driver Age Premium
16 $4,182
20 $2,390
30 $1,068
40 $1,048
50 $960
60 $940

Full coverage, $500 deductibles

Rates by Deductible

2009 Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,228
$250 $1,146
$500 $1,048
$1,000 $952

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,048
50/100 $1,143
100/300 $1,261
250/500 $1,569
100 CSL $1,190
300 CSL $1,451
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $5,896
20 $3,812
30 $2,274
40 $2,252
50 $2,152
60 $2,130

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 $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $65
5-yr Claim Free $66
Paid in Full/EFT $39
Advance Quote $46
Online Quote $71
Total Discounts $414
Rate after discounts $634

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2009 Ford Explorer Insurance Rates by State
State Premium
Alabama $948
Alaska $804
Arizona $868
Arkansas $1,048
California $1,194
Colorado $1,000
Connecticut $1,076
Delaware $1,186
Florida $1,312
Georgia $966
Hawaii $752
Idaho $708
Illinois $780
Indiana $786
Iowa $706
Kansas $996
Kentucky $1,428
Louisiana $1,550
Maine $646
Maryland $864
Massachusetts $840
Michigan $1,818
Minnesota $876
Mississippi $1,254
Missouri $928
Montana $1,124
Nebraska $826
Nevada $1,256
New Hampshire $754
New Jersey $1,170
New Mexico $928
New York $1,102
North Carolina $604
North Dakota $858
Ohio $724
Oklahoma $1,076
Oregon $958
Pennsylvania $1,000
Rhode Island $1,396
South Carolina $948
South Dakota $886
Tennessee $916
Texas $1,262
Utah $776
Vermont $718
Virginia $628
Washington $810
West Virginia $958
Wisconsin $726
Wyoming $934

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