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Ford Explorer Limited 2WD Insurance Rates

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U.S. average auto insurance rates for a Ford Explorer Limited 2WD are $1,356 annually for full coverage insurance. Comprehensive insurance costs an estimated $326 each year, collision insurance costs $508, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,904 or more. Teenage drivers pay the highest rates at up to $4,948 a year.

Annual premium for full coverage: $1,356

Price estimates broken down by individual coverage:

Comprehensive $326
Collision $508
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Explorer Trim Level

For the average driver, Ford Explorer Limited 2WD insurance prices range from as cheap as $430 for just liability coverage to a high rate of $2,904 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,356
High Risk $2,904

These price ranges illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying 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.

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Insurance prices for a Ford Explorer Limited 2WD are also quite variable based on the actual cash value of your Explorer, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $560 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Explorer Limited 2WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and rates may be quite different between companies.

View Chart as Image

Ford Explorer Limited 2WD insurance cost comparison chart
Column chart showing Ford Explorer Limited 2WD insurance prices range from $791 to $4,948 for full coverage

The chart estimates Ford Explorer Limited 2WD insurance prices for various situations. The lowest price with discounts is $791. Drivers who use higher $1,000 deductibles will pay about $1,166. The average price for a driver around age 40 using $500 deductibles is $1,356. Using lower $100 deductibles for physical damage coverage could cost up to $1,722. Drivers with multiple violations and accidents could be charged at least $2,904. The policy rate for full coverage for a teenage driver can be as high as $4,948.

Ford Explorer Limited 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$128 -9.4%
Alaska $1,040 -$316 -23.3%
Arizona $1,126 -$230 -17.0%
Arkansas $1,356 -$0 0.0%
California $1,546 $190 14.0%
Colorado $1,298 -$58 -4.3%
Connecticut $1,396 $40 2.9%
Delaware $1,536 $180 13.3%
Florida $1,698 $342 25.2%
Georgia $1,254 -$102 -7.5%
Hawaii $974 -$382 -28.2%
Idaho $918 -$438 -32.3%
Illinois $1,010 -$346 -25.5%
Indiana $1,022 -$334 -24.6%
Iowa $916 -$440 -32.4%
Kansas $1,290 -$66 -4.9%
Kentucky $1,852 $496 36.6%
Louisiana $2,008 $652 48.1%
Maine $838 -$518 -38.2%
Maryland $1,120 -$236 -17.4%
Massachusetts $1,084 -$272 -20.1%
Michigan $2,358 $1,002 73.9%
Minnesota $1,136 -$220 -16.2%
Mississippi $1,626 $270 19.9%
Missouri $1,204 -$152 -11.2%
Montana $1,456 $100 7.4%
Nebraska $1,070 -$286 -21.1%
Nevada $1,628 $272 20.1%
New Hampshire $978 -$378 -27.9%
New Jersey $1,516 $160 11.8%
New Mexico $1,202 -$154 -11.4%
New York $1,430 $74 5.5%
North Carolina $782 -$574 -42.3%
North Dakota $1,112 -$244 -18.0%
Ohio $936 -$420 -31.0%
Oklahoma $1,396 $40 2.9%
Oregon $1,244 -$112 -8.3%
Pennsylvania $1,294 -$62 -4.6%
Rhode Island $1,810 $454 33.5%
South Carolina $1,230 -$126 -9.3%
South Dakota $1,144 -$212 -15.6%
Tennessee $1,188 -$168 -12.4%
Texas $1,636 $280 20.6%
Utah $1,006 -$350 -25.8%
Vermont $930 -$426 -31.4%
Virginia $812 -$544 -40.1%
Washington $1,048 -$308 -22.7%
West Virginia $1,244 -$112 -8.3%
Wisconsin $940 -$416 -30.7%
Wyoming $1,208 -$148 -10.9%

View Chart as Image

Ford Explorer Limited 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford Explorer Limited 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,948
20 $3,088
30 $1,416
40 $1,356
50 $1,236
60 $1,212

Full coverage, $500 deductibles

Rates by Deductible

Ford Explorer Limited 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,722
$250 $1,554
$500 $1,356
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Limited 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,356
50/100 $1,429
100/300 $1,520
250/500 $1,756
100 CSL $1,465
300 CSL $1,665
500 CSL $1,811

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Explorer Limited 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,052
20 $4,900
30 $2,972
40 $2,904
50 $2,768
60 $2,740

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $65
Online Quote $96
Total Discounts $565
Rate after discounts $791

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

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