Ford Explorer XLT 2WD Insurance Rates

The average auto insurance rates for a Ford Explorer XLT 2WD are $1,220 annually for full coverage. Comprehensive costs approximately $284 a year, collision insurance costs $414, and liability coverage costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs around $2,602. Teenage drivers cost the most to insure at up to $4,516 a year.

Annual premium for full coverage: $1,220

Policy rates by individual coverage type:

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

Price Range for Insurance for this Ford Explorer Trim Level

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These price differences show why it is important for drivers to compare prices using their specific location and their own personal driving habits, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Ford Explorer XLT 2WD also range considerably based on the model year, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $470 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Explorer XLT 2WD insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to know which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the rates will be varied between companies.

View Chart as Image

Chart shows Ford Explorer XLT 2WD insurance prices for various situations. The cheapest price with discounts is $722. Drivers who use higher $1,000 deductibles will pay about $1,060. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,220. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,524. Drivers with multiple violations and accidents could be charged around $2,602. The cost for full coverage insurance for a teenager can be as high as $4,516.

View Chart as Image