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2010 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 2010 Ford Explorer are $1,080 a year for full coverage insurance. Comprehensive insurance costs approximately $194, collision costs $254, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,320 or more. Teenage drivers receive the highest rates at $4,274 a year or more.

Annual premium for full coverage: $1,080

Rate estimates for 2010 Ford Explorer Insurance

Comprehensive $194
Collision $254
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 $522 for just liability insurance to a much higher rate of $2,320 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,080
High Risk $2,320

View Chart as Image

2010 Ford Explorer insurance rates compared
Column chart showing 2010 Ford Explorer insurance prices range from $651 to $4,274 for full coverage

These differences illustrate why anyone shopping for car insurance should compare rates using their specific location 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 2010 Ford Explorer Insurance

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Want lower insurance coverage rates for your Ford Explorer? Trying to find low-cost insurance for your Ford Explorer can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to find insurance coverage online and you need to know the best way to compare rates for a new or used Ford and find the cheapest rates from both online companies and local agents.

Consumers should take time to compare rates at least once a year because prices change frequently. Even if you think you had the lowest price for Explorer insurance a couple years back you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re going to learn the quickest way to save on insurance coverage.

If you have a policy now or are just looking to switch companies, you can use this information to cut your premiums while maximizing coverage. Buying the lowest cost insurance coverage can be fairly easy. Drivers only need to know the best way to compare price quotes over the internet.

The quickest method to compare policy rates is to know the trick most larger insurance companies will pay a fee to compare their rates. The only thing you need to do is spend a couple of minutes providing details like marital status, if your license is active, whether you have decent credit, and driver ages. The data is automatically sent to many different companies and you receive quotes almost instantly.

To find lower rates now, click here and enter your zip code.

There’s no such thing as the perfect policy

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Does my car insurance cover rental cars?
  • Can my teen drive my company car?
  • Who is covered by my policy?
  • Should I buy full coverage?
  • Do I benefit by insuring my home with the same company?
  • When would I need rental car insurance?
  • I don’t drive much so do I pay less?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Free Auto Insurance Comparison

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Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, surgery, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, theft and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, colliding with a tree, damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as much as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 Ford Explorer Insurance Rates by City
City Premium
New York City, NY $1,707
Los Angeles, CA $1,845
Philadelphia, PA $1,442
Jacksonville, FL $1,568
Phoenix, AZ $1,254
Chicago, IL $1,447
Houston, TX $1,690
Seattle, WA $1,053
Columbus, OH $903
Indianapolis, IN $918

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Ford Explorer Insurance Rates by Driver Age
Driver Age Premium
16 $4,274
20 $2,460
30 $1,102
40 $1,080
50 $990
60 $970

Full coverage, $500 deductibles

Rates by Deductible

2010 Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,272
$250 $1,186
$500 $1,080
$1,000 $976

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,080
50/100 $1,175
100/300 $1,293
250/500 $1,601
100 CSL $1,222
300 CSL $1,483
500 CSL $1,673

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $6,034
20 $3,922
30 $2,344
40 $2,320
50 $2,218
60 $2,194

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $67
5-yr Claim Free $68
Paid in Full/EFT $40
Advance Quote $48
Online Quote $74
Total Discounts $429
Rate after discounts $651

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

Find companies with the cheapest rates in your area

2010 Ford Explorer Insurance Rates by State
State Premium
Alabama $976
Alaska $828
Arizona $896
Arkansas $1,080
California $1,230
Colorado $1,032
Connecticut $1,110
Delaware $1,222
Florida $1,352
Georgia $996
Hawaii $774
Idaho $728
Illinois $804
Indiana $812
Iowa $728
Kansas $1,028
Kentucky $1,474
Louisiana $1,598
Maine $668
Maryland $890
Massachusetts $864
Michigan $1,876
Minnesota $904
Mississippi $1,294
Missouri $958
Montana $1,160
Nebraska $850
Nevada $1,296
New Hampshire $778
New Jersey $1,206
New Mexico $958
New York $1,138
North Carolina $622
North Dakota $884
Ohio $746
Oklahoma $1,110
Oregon $990
Pennsylvania $1,030
Rhode Island $1,440
South Carolina $978
South Dakota $912
Tennessee $946
Texas $1,300
Utah $800
Vermont $740
Virginia $646
Washington $836
West Virginia $990
Wisconsin $748
Wyoming $962

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