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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: Apr 9, 2020

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Are Ford Explorers expensive to insure?

The average Ford Explorer insurance rates are $109 per month or $1,308 annually. Many factors impact your car insurance rates, like the age of your vehicle. For example, the 2018 Ford Explorer insurance costs will be higher than 2002 Ford Explorer insurance costs.

Although, it’s important to remember that different Ford Explorer car insurance companies will provide different rates so shop around before buying Ford Explorer car insurance.

Looking for insurance for Ford vehicles?  Or maybe you need to know what is GAP insurance and should you buy it when you purchase a 2012 Ford Explorer Eddie Bauer edition or a 2008 Ford Explorer Limited AWD.

Whether you want to know how much does the new Ford Explorer cost to insure, or what the 2012 Ford Explorer insurance costs are, read through our comprehensive guide to answer all of your Ford Explorer auto insurance questions. 

When you’re ready, use our car insurance cost estimator by entering your five-digit ZIP code into our FREE quote comparison tool to secure the best affordable Ford Explorer car insurance rates.

Average insurance rates for a Ford Explorer are $1,294 a year with full coverage. Comprehensive insurance costs approximately $294, collision costs $452, and liability coverage is estimated at $390. A liability-only policy costs approximately $452 a year, with high-risk insurance costing $2,772 or more. 16-year-old drivers receive the highest rates at $4,798 a year or more.

Average premium for full coverage: $1,294

Rate estimates by individual coverage type:

Comprehensive $294
Collision $452
Liability $390

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all U.S. states and for different Explorer trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from the low end price of $452 for only liability insurance to a much higher rate of $2,772 for a driver required to buy high-risk insurance.

Liability Only $452
Full Coverage $1,294
High Risk $2,772

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $971
Small Cities $1,359
Large Cities $1,747

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using rate averages.

Use the form below to get customized rates for your location.

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

Insurance Rate Analysis

The chart below details estimated Ford Explorer insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $758
  • Choosing higher $1,000 deductibles can save $170 annually
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,294
  • Buying more expensive low deductibles for comp and collision coverage will cost an additional $324 each year
  • Drivers with multiple tickets or accidents could pay around $2,772 or more
  • The cost that insures a teenage driver with full coverage can cost $4,798 each year

View Chart as Image

Ford Explorer insurance cost comparison chart
Column chart showing full coverage Ford Explorer insurance prices range from $758 to $4,798

Insurance rates for a Ford Explorer can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Explorer insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.

Ford Explorer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,472 $178 13.8%
Colorado $1,234 -$60 -4.6%
Connecticut $1,330 $36 2.8%
Delaware $1,464 $170 13.1%
Florida $1,618 $324 25.0%
Georgia $1,194 -$100 -7.7%
Hawaii $928 -$366 -28.3%
Idaho $874 -$420 -32.5%
Illinois $962 -$332 -25.7%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,228 -$66 -5.1%
Kentucky $1,764 $470 36.3%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,066 -$228 -17.6%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,548 $254 19.6%
Missouri $1,146 -$148 -11.4%
Montana $1,388 $94 7.3%
Nebraska $1,022 -$272 -21.0%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $744 -$550 -42.5%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,328 $34 2.6%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,172 -$122 -9.4%
South Dakota $1,090 -$204 -15.8%
Tennessee $1,132 -$162 -12.5%
Texas $1,560 $266 20.6%
Utah $958 -$336 -26.0%
Vermont $884 -$410 -31.7%
Virginia $774 -$520 -40.2%
Washington $998 -$296 -22.9%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,154 -$140 -10.8%

View Chart as Image

Ford Explorer insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $500 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Ford Explorer Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Explorer XLT 2WD $1,208 $101
Ford Explorer Eddie Bauer 2WD $1,250 $104
Ford Explorer XLT 4WD $1,250 $104
Ford Explorer XLT AWD $1,250 $104
Ford Explorer Eddie Bauer 4WD $1,336 $111
Ford Explorer Eddie Bauer AWD $1,336 $111
Ford Explorer Limited 2WD $1,336 $111
Ford Explorer Limited 4WD $1,380 $115
Ford Explorer Limited AWD $1,380 $115

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Ford Explorer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Explorer $294 $452 $390 $1,294
2019 Ford Explorer $282 $448 $398 $1,286
2018 Ford Explorer $272 $436 $416 $1,282
2017 Ford Explorer $262 $418 $430 $1,268
2016 Ford Explorer $248 $404 $442 $1,252
2015 Ford Explorer $238 $374 $452 $1,222
2014 Ford Explorer $230 $352 $456 $1,196
2013 Ford Explorer $220 $316 $460 $1,154
2012 Ford Explorer $206 $292 $460 $1,116
2011 Ford Explorer $198 $272 $464 $1,092
2010 Ford Explorer $194 $254 $474 $1,080
2009 Ford Explorer $180 $236 $474 $1,048
2008 Ford Explorer $174 $214 $478 $1,024
2007 Ford Explorer $162 $196 $474 $990
2006 Ford Explorer $152 $178 $474 $962
2005 Ford Explorer $148 $160 $468 $934
2004 Ford Explorer $146 $156 $460 $920
2003 Ford Explorer $144 $150 $452 $904
2002 Ford Explorer $132 $142 $446 $878
2001 Ford Explorer $126 $134 $442 $860

Rates are averaged for all Ford Explorer models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Ford Explorer Insurance

Saving money on auto insurance takes being a safe driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Here is a brief recap of the data covered in the above illustrations.

  • Consumers who purchase more liability insurance will pay around $430 every year to raise limits from a minimum limit to the 250/500 level
  • You may be able to save around $150 per year simply by shopping early and online
  • Increasing deductibles can save approximately $500 each year
  • Young drivers are expensive to insure, with premiums as much as $400 per month if full coverage is included

From the above information, you now understand why the Ford Explorer Eddie Bauer 2011 model has different car insurance rates than the 2020 Ford Explorer insurance costs. In fact, even the 2013 Ford Explorer Eddie Bauer edition will receive different premiums. 

Receive cheap car insurance quotes for your 2014 Eddie Bauer Explorer, or any other variation, by entering your ZIP code into our FREE quote comparison tool below. 

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What are the safety ratings for the Ford Explorer?

Looking at the Ford Explorer safety ratings is a good way to see what discounts you qualify for, and what might be costing you more money. 

Check out the safety ratings below. 

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. These scores are actually very promising. But do Ford Explorers have a lot of problems? 

Unfortunately, some models have transmission issues. Expect your 2020 Explorer costs for insurance to increase, as this model is already being recalled. 

What is wrong with the 2020 Ford Explorer? A wiring harness was improperly secured on thousands of these vehicles. Expect unreliable issues like the to increase your Ford Explorer costs for car insurance. 

Suspension toe link fractures that impact steering is also a problem from 2011 through 2017 models. Therefore, expect the 2014 Ford Explorer costs for insurance and even the 2015 Ford Explorer costs for insurance to increase. 

So how much does a 2014 Ford Explorer cost to insure? Expect to pay around $101 per month or $1,222 annually.  

Fortunately, the cost of the 2019 Ford Explorer should not be impacted by these recalls and issues. 

After hearing about these recalls, you might be wondering is the Ford Explorer expensive to maintain? Fortunately, maintenance costs for this SUV are average.

Ford Explorer Compared Against other Vehicles in the Same Class

Comparing the Ford Explorer to similar vehicles can help you save money, especially if the Ford Explorer has a better loss ratio than other midsize sedans. 

Officially, the Insurance Institute for Highway Safety classifies it as a midsize SUV.

Check out other comparable SUVs below.

The Ford Explorer has better than average medical payment insurance loss ratios at -21 percent. Every other category is average. Luckily, your Ford Explorer insurance payment will be lowered by this data. 

How much does a new Ford Explorer cost? The 2020 Ford Explorer Limited invoice price reaches above $48,000, however, the average cost of 2020 Ford Explorer is closer to $33,000. 

The 2015 Ford Explorer cost when new was around $40,000 in total. The 2014 Ford Explorer limited invoice price is $30,000. However, you can likely find lower Ford Explorer costs for the 2014 model. 

How much is the Ford Explorer 2012 model? Just around $29,000 in total. 

If you’re hoping to buy an older, used model, you might ask how much is a 2004 Ford Explorer worth? The 2004 Ford Explorer cost when new was $31,000. 

If you’re looking at older, used models for a new driver, the 2002 Ford Explorer Eddie Bauer price is now below $1,000, depending on the condition of the vehicle. The 2005 Ford Explorer price range pushes to almost $5,000 if it is still in very good condition.

If you’re wondering what SUV is the cheapest to insure for a teenager, just remember that 4×4 insurance for young drivers is often more expensive, due to teen drivers lacking experience and being higher-risk. 

Your overall rates for car insurance will vary depending on which Ford Explorer insurance company you use, like Progressive or Geico. 

We’ve answered all your questions about how much does a Ford Explorer cost and how much is a Ford Explorer to insure. Now it’s time to get the cheapest 2002 Ford Explorer insurance costs, or 2012 Ford Explorer costs, or any other variation of this SUV. 

When you’re ready, get affordable Ford Explorer car insurance quotes from top auto insurance companies by entering your ZIP code into our FREE quote comparison tool

Rates by Driver Age

Ford Explorer Insurance Rates by Driver Age
Driver Age Premium
16 $4,798
20 $2,946
30 $1,344
40 $1,294
50 $1,180
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,294
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,458
100/300 $1,556
250/500 $1,809
100 CSL $1,497
300 CSL $1,712
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $6,828
20 $4,680
30 $2,828
40 $2,772
50 $2,642
60 $2,618

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $91
5-yr Claim Free $82
Paid in Full/EFT $57
Advance Quote $62
Online Quote $91
Total Discounts $536
Rate after discounts $758

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

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