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2014 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: Dec 6, 2021

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Average insurance rates for a 2014 Ford Explorer are $1,196 a year including full coverage. Comprehensive costs an estimated $230, collision insurance costs $352, and liability costs $456. Buying a liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,578. Teenage drivers receive the highest rates at up to $4,630 a year.

Annual premium for full coverage: $1,196

Rate estimates for 2014 Ford Explorer Insurance

Comprehensive $230
Collision $352
Liability $456

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 range from as low as $508 for just liability coverage to the much higher price of $2,578 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,196
High Risk $2,578

View Chart as Image

2014 Ford Explorer insurance rates compared
Column chart showing 2014 Ford Explorer insurance prices range from $707 to $4,630 for full coverage

These differences highlight why everyone should compare rates 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 2014 Ford Explorer Insurance

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Ford Explorer insurance

Are you a victim of an overpriced insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. There are many insurance companies to choose from, and even though it’s nice to have a choice, so many choices can make it hard to adequately compare rates.

Free Car Insurance Quotes

All the larger car insurance companies provide price estimates on the web. Getting quotes doesn’t take much effort as you just type in your required coverages as requested by the quote form. After you complete the form, the system makes automated requests for your credit score and driving record and quotes a price. Being able to quote online makes comparing rates easy, but the work required to visit a lot of sites and type in the same information is repetitive and time-consuming. But it’s very important to perform this step if you are searching for the best price on car insurance.

The quickest way to lower your rates makes use of a single form that gets prices from several companies at one time. It’s a real time-saver, reduces the work, and makes price shopping online much more efficient. After your information is entered, your coverage is rated and you can choose any of the quotes returned.

If a lower price is quoted, you can click and sign and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To quickly compare pricing, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter the coverages just like they are on your policy. This way, you will get comparison quotes for similar insurance coverage.

Pay less by taking advantage of these six discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be inquired about before being credited. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Explorer insurance than drivers with accidents.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

To see a list of insurers with discount car insurance rates, follow this link.

Your coverage should be tailored to you

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my custom paint covered by insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my trailer covered?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Free Auto Insurance Comparison

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

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Auto insurance 101

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

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

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as loss of income, court costs, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like prosthetic devices, hospital visits, X-ray expenses, pain medications and funeral costs. They are often used in conjunction with a 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 any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, a broken windshield, damage from flooding and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

A penny earned…

Budget-conscious 2014 Ford Explorer insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

While you’re price shopping online, do not reduce coverage to reduce premium. There have been many cases where consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate.

Use our FREE quote tool to compare rates now!

Helpful learning opportunities

Rates by U.S. City

2014 Ford Explorer Insurance Rates by City
City Premium
New York City, NY $1,893
Los Angeles, CA $2,046
Philadelphia, PA $1,596
Jacksonville, FL $1,738
Phoenix, AZ $1,389
Chicago, IL $1,606
Houston, TX $1,875
Seattle, WA $1,164
Columbus, OH $999
Indianapolis, IN $1,017

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Ford Explorer Insurance Rates by Driver Age
Driver Age Premium
16 $4,630
20 $2,742
30 $1,232
40 $1,196
50 $1,094
60 $1,072

Full coverage, $500 deductibles

Rates by Deductible

2014 Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,450
$250 $1,334
$500 $1,196
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,196
50/100 $1,287
100/300 $1,401
250/500 $1,698
100 CSL $1,333
300 CSL $1,584
500 CSL $1,766

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $6,564
20 $4,368
30 $2,616
40 $2,578
50 $2,462
60 $2,440

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $49
Advance Quote $56
Online Quote $83
Total Discounts $489
Rate after discounts $707

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

Find companies with the cheapest rates in your area

2014 Ford Explorer Insurance Rates by State
State Premium
Alabama $1,082
Alaska $918
Arizona $992
Arkansas $1,196
California $1,364
Colorado $1,144
Connecticut $1,230
Delaware $1,356
Florida $1,498
Georgia $1,104
Hawaii $860
Idaho $810
Illinois $892
Indiana $900
Iowa $806
Kansas $1,138
Kentucky $1,632
Louisiana $1,770
Maine $740
Maryland $988
Massachusetts $958
Michigan $2,078
Minnesota $1,002
Mississippi $1,432
Missouri $1,062
Montana $1,286
Nebraska $942
Nevada $1,434
New Hampshire $862
New Jersey $1,336
New Mexico $1,058
New York $1,262
North Carolina $690
North Dakota $978
Ohio $826
Oklahoma $1,230
Oregon $1,096
Pennsylvania $1,140
Rhode Island $1,596
South Carolina $1,084
South Dakota $1,010
Tennessee $1,046
Texas $1,442
Utah $888
Vermont $820
Virginia $718
Washington $924
West Virginia $1,096
Wisconsin $828
Wyoming $1,066

Free Auto Insurance Comparison

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