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Ford Explorer Insurance Rates

Ford Explorer insurance

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.

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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
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,170-$124-9.6%
Alaska$992-$302-23.3%
Arizona$1,074-$220-17.0%
Arkansas$1,294-$00.0%
California$1,472$17813.8%
Colorado$1,234-$60-4.6%
Connecticut$1,330$362.8%
Delaware$1,464$17013.1%
Florida$1,618$32425.0%
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$47036.3%
Louisiana$1,914$62047.9%
Maine$798-$496-38.3%
Maryland$1,066-$228-17.6%
Massachusetts$1,034-$260-20.1%
Michigan$2,248$95473.7%
Minnesota$1,082-$212-16.4%
Mississippi$1,548$25419.6%
Missouri$1,146-$148-11.4%
Montana$1,388$947.3%
Nebraska$1,022-$272-21.0%
Nevada$1,552$25819.9%
New Hampshire$932-$362-28.0%
New Jersey$1,446$15211.7%
New Mexico$1,146-$148-11.4%
New York$1,362$685.3%
North Carolina$744-$550-42.5%
North Dakota$1,060-$234-18.1%
Ohio$894-$400-30.9%
Oklahoma$1,328$342.6%
Oregon$1,186-$108-8.3%
Pennsylvania$1,234-$60-4.6%
Rhode Island$1,726$43233.4%
South Carolina$1,172-$122-9.4%
South Dakota$1,090-$204-15.8%
Tennessee$1,132-$162-12.5%
Texas$1,560$26620.6%
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 TrimAnnual PremiumMonthly 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 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Ford Explorer$294$452$390$1,294
2017 Ford Explorer$282$448$398$1,286
2016 Ford Explorer$272$436$416$1,282
2015 Ford Explorer$262$418$430$1,268
2014 Ford Explorer$248$404$442$1,252
2013 Ford Explorer$238$374$452$1,222
2012 Ford Explorer$230$352$456$1,196
2011 Ford Explorer$220$316$460$1,154
2010 Ford Explorer$206$292$460$1,116
2009 Ford Explorer$198$272$464$1,092
2008 Ford Explorer$194$254$474$1,080
2007 Ford Explorer$180$236$474$1,048
2006 Ford Explorer$174$214$478$1,024
2005 Ford Explorer$162$196$474$990
2004 Ford Explorer$152$178$474$962
2003 Ford Explorer$148$160$468$934
2002 Ford Explorer$146$156$460$920
2001 Ford Explorer$144$150$452$904
2000 Ford Explorer$132$142$446$878
1999 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

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Rates by Driver Age

Ford Explorer Insurance Rates by Driver Age
Driver AgePremium
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
DeductiblePremium
$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 LimitPremium
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
AgePremium
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.

DiscountSavings
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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