Ford Explorer Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Estimated auto insurance rates for a Ford Explorer are $1,268 annually for full coverage. Comprehensive costs an estimated $262, collision insurance costs $418, and liability insurance is estimated at $430. A policy with only liability insurance costs approximately $486 a year, and a high-risk policy costs around $2,732. 16-year-old drivers pay the most at up to $4,812 a year.
Average premium for full coverage: $1,268
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Explorer trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Explorer range from as cheap as $486 for basic liability insurance to a much higher rate of $2,732 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on 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.
Rate Comparisons
The chart below shows average Ford Explorer insurance rates for other coverage scenarios.
- The best full coverage rate is $743
- Choosing higher $1,000 deductibles can save approximately $154 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,268
- Buying more expensive low deductibles for comp and collision coverage will cost $1,568
- High-risk insureds with multiple tickets or accidents could pay up to $2,732
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,812 each year
Car insurance prices for a Ford Explorer also have a wide range based on the model of your Explorer, your driver profile, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $460 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Ford Explorer insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,810 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$120 | -9.5% |
| Alaska | $974 | -$294 | -23.2% |
| Arizona | $1,054 | -$214 | -16.9% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,446 | $178 | 14.0% |
| Colorado | $1,212 | -$56 | -4.4% |
| Connecticut | $1,306 | $38 | 3.0% |
| Delaware | $1,438 | $170 | 13.4% |
| Florida | $1,586 | $318 | 25.1% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $910 | -$358 | -28.2% |
| Idaho | $858 | -$410 | -32.3% |
| Illinois | $946 | -$322 | -25.4% |
| Indiana | $956 | -$312 | -24.6% |
| Iowa | $856 | -$412 | -32.5% |
| Kansas | $1,208 | -$60 | -4.7% |
| Kentucky | $1,730 | $462 | 36.4% |
| Louisiana | $1,878 | $610 | 48.1% |
| Maine | $782 | -$486 | -38.3% |
| Maryland | $1,046 | -$222 | -17.5% |
| Massachusetts | $1,016 | -$252 | -19.9% |
| Michigan | $2,204 | $936 | 73.8% |
| Minnesota | $1,062 | -$206 | -16.2% |
| Mississippi | $1,520 | $252 | 19.9% |
| Missouri | $1,128 | -$140 | -11.0% |
| Montana | $1,364 | $96 | 7.6% |
| Nebraska | $1,000 | -$268 | -21.1% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $916 | -$352 | -27.8% |
| New Jersey | $1,420 | $152 | 12.0% |
| New Mexico | $1,122 | -$146 | -11.5% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $732 | -$536 | -42.3% |
| North Dakota | $1,038 | -$230 | -18.1% |
| Ohio | $876 | -$392 | -30.9% |
| Oklahoma | $1,304 | $36 | 2.8% |
| Oregon | $1,162 | -$106 | -8.4% |
| Pennsylvania | $1,210 | -$58 | -4.6% |
| Rhode Island | $1,692 | $424 | 33.4% |
| South Carolina | $1,148 | -$120 | -9.5% |
| South Dakota | $1,072 | -$196 | -15.5% |
| Tennessee | $1,112 | -$156 | -12.3% |
| Texas | $1,530 | $262 | 20.7% |
| Utah | $940 | -$328 | -25.9% |
| Vermont | $870 | -$398 | -31.4% |
| Virginia | $760 | -$508 | -40.1% |
| Washington | $980 | -$288 | -22.7% |
| West Virginia | $1,162 | -$106 | -8.4% |
| Wisconsin | $880 | -$388 | -30.6% |
| Wyoming | $1,130 | -$138 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Explorer XLT 2WD | $1,190 | $99 |
| Ford Explorer Eddie Bauer 2WD | $1,228 | $102 |
| Ford Explorer XLT 4WD | $1,228 | $102 |
| Ford Explorer XLT AWD | $1,228 | $102 |
| Ford Explorer Eddie Bauer 4WD | $1,308 | $109 |
| Ford Explorer Eddie Bauer AWD | $1,308 | $109 |
| Ford Explorer Limited 2WD | $1,308 | $109 |
| Ford Explorer Limited 4WD | $1,348 | $112 |
| Ford Explorer Limited AWD | $1,348 | $112 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Explorer | $262 | $418 | $430 | $1,268 |
| 2019 Ford Explorer | $248 | $404 | $442 | $1,252 |
| 2018 Ford Explorer | $238 | $374 | $452 | $1,222 |
| 2017 Ford Explorer | $230 | $352 | $456 | $1,196 |
| 2016 Ford Explorer | $220 | $316 | $460 | $1,154 |
| 2015 Ford Explorer | $206 | $292 | $460 | $1,116 |
| 2014 Ford Explorer | $198 | $272 | $464 | $1,092 |
| 2013 Ford Explorer | $194 | $254 | $474 | $1,080 |
| 2012 Ford Explorer | $180 | $236 | $474 | $1,048 |
| 2011 Ford Explorer | $174 | $214 | $478 | $1,024 |
| 2010 Ford Explorer | $162 | $196 | $474 | $990 |
| 2009 Ford Explorer | $152 | $178 | $474 | $962 |
| 2008 Ford Explorer | $148 | $160 | $468 | $934 |
| 2007 Ford Explorer | $146 | $156 | $460 | $920 |
| 2006 Ford Explorer | $144 | $150 | $452 | $904 |
| 2005 Ford Explorer | $132 | $142 | $446 | $878 |
| 2004 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 Buy the Best Cheap Ford Explorer Insurance
Finding better rates on Ford Explorer insurance takes being a low-risk driver, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a quick review of the data covered above.
- Drivers who want more liability coverage will pay around $470 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save approximately $150 per year just by shopping early and online
- Increasing policy deductibles could save up to $450 each year
- Teen drivers have the highest car insurance prices, as much as $401 per month if comprehensive and collision insurance 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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,812 |
| 20 | $2,908 |
| 30 | $1,312 |
| 40 | $1,268 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,428 |
| $500 | $1,268 |
| $1,000 | $1,114 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,434 |
| 100/300 | $1,542 |
| 250/500 | $1,821 |
| 100 CSL | $1,477 |
| 300 CSL | $1,714 |
| 500 CSL | $1,886 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,838 |
| 20 | $4,626 |
| 30 | $2,782 |
| 40 | $2,732 |
| 50 | $2,608 |
| 60 | $2,584 |
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 | $67 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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