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2017 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: Dec 17, 2019

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Average insurance rates for a 2017 Ford Explorer are $1,268 a year with full coverage. Comprehensive insurance costs on average $262, collision insurance costs $418, and liability costs around $430. Buying a liability-only policy costs as low as $486 a year, and high-risk insurance costs $2,732 or more. Teenage drivers receive the highest rates at up to $4,812 a year.

Annual premium for full coverage: $1,268

Rate estimates for 2017 Ford Explorer Insurance

Comprehensive $262
Collision $418
Liability $430

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 $486 for only liability insurance to the much higher price of $2,732 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,268
High Risk $2,732

View Chart as Image

2017 Ford Explorer insurance rates compared
Column chart showing 2017 Ford Explorer insurance prices range from $743 to $4,812 for full coverage

These differences demonstrate why everyone should compare prices based on a specific location and risk profile, instead of 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 2017 Ford Explorer Insurance

Searching Companies

Buying the most affordable insurance online is somewhat difficult for vehicle owners that are relatively new to comparing and buying insurance over the internet. With more and more companies competing online, how are vehicle owners able to effectively compare them all to find better prices?

It is always a good idea to do price comparisons before your policy renews because insurance prices go up and down regularly. Even if you got the best rate on Explorer coverage a year ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn how to use the internet to lower your annual insurance bill.

Compare auto insurance rates

Performing a rate comparison can be a daunting task if you don’t know the fastest way to get free quotes. You could waste time discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get prices fast.

Most major companies enroll in a system where prospective buyers enter their policy data once, and each participating company can provide price quotes based on that data. This system prevents you from having to do quote forms to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to pricing coverage this way is that consumers can’t choose which insurance companies to receive prices from. If you prefer to choose individual companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, make darn sure you compare exactly the same quote data for each price quote. If you use unequal deductibles or liability limits it will be impossible to determine the best price for your Ford Explorer. Just slight variations in limits may result in a large different in cost. And when quoting auto insurance, remember that comparing all the rates in your area will increase your chances of finding the best price. Some smaller insurers to not give rate quotes online, so you should also compare quotes from them, too.

Insurance coverage policy discounts

Car insurance companies don’t necessarily list every possible discount very well, so we took the time to find some of the more common and the more hidden savings tricks you should be using when you buy auto insurance online.

  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Driving Data Discount – Drivers that enable companies to scrutinize driving manner by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Military Rewards – Being on active deployment in the military may lower your insurance coverage rates slightly.
  • One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Claim Free – Insureds with no claims or accidents have much lower rates compared to policyholders that have many claims.
  • Government Employees – Active or former government employment can earn a discount up to 10% on Explorer coverage with certain companies.
  • E-sign – A handful of larger companies will give you a small discount for buying a policy and signing up digitally online.
  • Distant Student – who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

If you would like to see a list of insurers with discount insurance coverage rates, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

Free Auto Insurance Comparison

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These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Are rock chip repairs covered?
  • What if I don’t agree with a claim settlement offer?
  • Is my 2017 Ford Explorer covered for smoke damage?
  • Does my insurance cover my expensive audio equipment?
  • How much liability insurance is required?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverage specifics

Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, nursing services, chiropractic care, dental work and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, falling objects and damage from flooding. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your Explorer resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as court costs, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2017 Ford Explorer Insurance Rates by City
City Premium
New York City, NY $2,004
Los Angeles, CA $2,169
Philadelphia, PA $1,694
Jacksonville, FL $1,840
Phoenix, AZ $1,476
Chicago, IL $1,703
Houston, TX $1,989
Seattle, WA $1,235
Columbus, OH $1,060
Indianapolis, IN $1,080

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2017 Ford Explorer Insurance Rates by Driver Age
Driver Age Premium
16 $4,812
20 $2,908
30 $1,312
40 $1,268
50 $1,160
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

2017 Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,428
$500 $1,268
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,354
100/300 $1,462
250/500 $1,741
100 CSL $1,397
300 CSL $1,634
500 CSL $1,806

Full coverage, driver age 40

Rates for High Risk Drivers

2017 Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $6,838
20 $4,626
30 $2,782
40 $2,732
50 $2,608
60 $2,584

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $88
5-yr Claim Free $81
Paid in Full/EFT $54
Advance Quote $60
Online Quote $89
Total Discounts $525
Rate after discounts $743

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

Find companies with the cheapest rates in your area

2017 Ford Explorer Insurance Rates by State
State Premium
Alabama $1,148
Alaska $974
Arizona $1,054
Arkansas $1,268
California $1,446
Colorado $1,212
Connecticut $1,306
Delaware $1,438
Florida $1,586
Georgia $1,170
Hawaii $910
Idaho $858
Illinois $946
Indiana $956
Iowa $856
Kansas $1,208
Kentucky $1,730
Louisiana $1,878
Maine $782
Maryland $1,046
Massachusetts $1,016
Michigan $2,204
Minnesota $1,062
Mississippi $1,520
Missouri $1,128
Montana $1,364
Nebraska $1,000
Nevada $1,520
New Hampshire $916
New Jersey $1,420
New Mexico $1,122
New York $1,336
North Carolina $732
North Dakota $1,038
Ohio $876
Oklahoma $1,304
Oregon $1,162
Pennsylvania $1,210
Rhode Island $1,692
South Carolina $1,148
South Dakota $1,072
Tennessee $1,112
Texas $1,530
Utah $940
Vermont $870
Virginia $760
Washington $980
West Virginia $1,162
Wisconsin $880
Wyoming $1,130

Free Auto Insurance Comparison

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