Ford Explorer Limited AWD Insurance Rates
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Estimated insurance rates for a Ford Explorer Limited AWD are $1,402 a year for full coverage. Comprehensive insurance costs on average $340 each year, collision costs $540, and liability costs $364. Liability-only coverage costs as little as $430 a year, with high-risk coverage costing $3,004 or more. Teen drivers pay the most at $5,092 a year or more.
Annual premium for full coverage: $1,402
Premium estimates by individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Ford Explorer Trim Level
For an average driver, insurance rates for a Ford Explorer Limited AWD go from the low end price of $430 for your basic liability-only policy to a high rate of $3,004 for a driver required to buy high-risk insurance.
These rate differences show why all drivers should compare rates based on a specific location, instead of making a decision based 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 Ford Explorer Limited AWD Insurance
Insurance rates for a Ford Explorer Limited AWD also have a wide range based on the actual cash value of your Explorer, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 128% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age
Where you choose to live makes a big difference in Ford Explorer Limited AWD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Choosing high deductibles could save up to $590 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit
With such a large range of prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so the rates will be substantially different.
Chart shows Ford Explorer Limited AWD insurance prices for different risks and coverage choices. The cheapest discount price is $814. Drivers who choose higher $1,000 deductibles will pay $1,202. The average price for a 40-year-old male driver using $500 deductibles is $1,402. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,788. High risk drivers could be charged up to $3,004. The policy rate for full coverage for a teen driver is $5,092.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,164 | -$238 | -17.0% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,598 | $196 | 14.0% |
| Colorado | $1,342 | -$60 | -4.3% |
| Connecticut | $1,442 | $40 | 2.9% |
| Delaware | $1,588 | $186 | 13.3% |
| Florida | $1,754 | $352 | 25.1% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,056 | -$346 | -24.7% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,334 | -$68 | -4.9% |
| Kentucky | $1,912 | $510 | 36.4% |
| Louisiana | $2,076 | $674 | 48.1% |
| Maine | $866 | -$536 | -38.2% |
| Maryland | $1,156 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$280 | -20.0% |
| Michigan | $2,438 | $1,036 | 73.9% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,244 | -$158 | -11.3% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,682 | $280 | 20.0% |
| New Hampshire | $1,012 | -$390 | -27.8% |
| New Jersey | $1,568 | $166 | 11.8% |
| New Mexico | $1,242 | -$160 | -11.4% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,148 | -$254 | -18.1% |
| Ohio | $966 | -$436 | -31.1% |
| Oklahoma | $1,442 | $40 | 2.9% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$66 | -4.7% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,270 | -$132 | -9.4% |
| South Dakota | $1,184 | -$218 | -15.5% |
| Tennessee | $1,228 | -$174 | -12.4% |
| Texas | $1,690 | $288 | 20.5% |
| Utah | $1,040 | -$362 | -25.8% |
| Vermont | $958 | -$444 | -31.7% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,082 | -$320 | -22.8% |
| West Virginia | $1,286 | -$116 | -8.3% |
| Wisconsin | $972 | -$430 | -30.7% |
| Wyoming | $1,250 | -$152 | -10.8% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,092 |
| 20 | $3,196 |
| 30 | $1,466 |
| 40 | $1,402 |
| 50 | $1,276 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,788 |
| $250 | $1,610 |
| $500 | $1,402 |
| $1,000 | $1,202 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,475 |
| 100/300 | $1,566 |
| 250/500 | $1,802 |
| 100 CSL | $1,511 |
| 300 CSL | $1,711 |
| 500 CSL | $1,857 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,268 |
| 20 | $5,070 |
| 30 | $3,078 |
| 40 | $3,004 |
| 50 | $2,864 |
| 60 | $2,834 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $68 |
| Online Quote | $100 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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