Compare Ford Explorer Car Insurance Rates [2025]
Average auto insurance rates for a Ford Explorer cost $1,308 a year, or around $109 a month. On average, comprehensive coverage costs $319, collision coverage costs $465, and liability coverage costs $369 for Ford Explorer insurance. With 25 years in production, the age of your Explorer will have a big impact on rates and cost of ownership.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Dec 21, 2023
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,308 a year or $109 each month
- A liability-only policy costs around $524 a year or $44 each month
- Highest rates are for teenage drivers at around $4,781 a year or $398 each month
- Good drivers can save as much as $539 a year by earning policy discounts
- Ford Explorer insurance costs around $211 less per year than the average vehicle
Ford Explorer insurance rates average $1,308 a year or $109 a month for full coverage. Older Ford Explorers may just need liability coverage, which averages $524 a year or $44 a month.
Good drivers can save up to $539 a year with policy discounts by practicing safe driving habits. Let’s look at Ford Explorer insurance rates, safety ratings, and more.
You can start comparing quotes for Ford Explorer car insurance rates from some of the best car insurance companies by using our free online tool now.
Ford Explorer Insurance Cost
The average Ford Explorer car insurance rates are $1,308 a year or $109 a month.
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Are Ford Explorers Expensive to Insure?
The chart below details how Ford Explorer insurance rates compare to other SUVs like the Acura MDX, Acura RDX, and BMW X3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Explorer | $308 | $470 | $372 | $1,308 |
| Acura MDX | $376 | $562 | $372 | $1,468 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| BMW X3 | $376 | $656 | $372 | $1,562 |
| Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| Mitsubishi Outlander | $306 | $542 | $332 | $1,316 |
| Ford Flex | $332 | $566 | $398 | $1,454 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Explorer Insurance?
The Ford Explorer trim and model you choose can impact the total price you will pay for Ford Explorer auto insurance coverage.
Age of the Vehicle
The average Ford Explorer auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Ford Explorer costs $1,308, while 2010 Ford Explorer insurance costs are $1,092, a difference of $216.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Ford Explorer | $308 | $470 | $372 | $1,308 |
| 2019 Ford Explorer | $294 | $452 | $390 | $1,294 |
| 2018 Ford Explorer | $282 | $448 | $398 | $1,286 |
| 2017 Ford Explorer | $272 | $436 | $416 | $1,282 |
| 2016 Ford Explorer | $262 | $418 | $430 | $1,268 |
| 2015 Ford Explorer | $248 | $404 | $442 | $1,252 |
| 2014 Ford Explorer | $238 | $374 | $452 | $1,222 |
| 2013 Ford Explorer | $230 | $352 | $456 | $1,196 |
| 2012 Ford Explorer | $220 | $316 | $460 | $1,154 |
| 2011 Ford Explorer | $206 | $292 | $460 | $1,116 |
| 2010 Ford Explorer | $198 | $272 | $464 | $1,092 |
Driver Age
Driver age can have a significant effect on Ford Explorer car insurance rates. For example, 20-year-old drivers pay $1,599 more for their Ford Explorer car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Ford Explorer insurance rates. For example, drivers in Los Angeles may pay $1,125 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Ford Explorer auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Explorer auto insurance rates with violations on their driving record.
Ford Explorer Safety Ratings
Your Ford Explorer auto insurance rates are influenced by the Ford Explorer’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Ford Explorer Crash Test Ratings
Ford Explorer crash test ratings will affect your Ford Explorer car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Ford Explorer SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Explorer SUV 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Explorer PHEV SUV RWD | N/R | N/R | N/R | N/R |
| 2020 Ford Explorer PHEV SUV 4WD | N/R | N/R | N/R | N/R |
| 2020 Ford Explorer HEV SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Explorer HEV SUV 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Explorer 4 DR SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Explorer 4 DR SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Explorer 4 DR SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Explorer 4 DR SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Explorer 4 DR SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Explorer 4 DR SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Explorer 4 DR SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Explorer 4 DR SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Explorer Safety Features
The more safety features you have on your Ford Explorer, the more likely it is that you can earn a discount. The Ford Explorer’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Ford Explorer Insurance Loss Probability
The Ford Explorer’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Explorer, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -20% |
|---|---|
| Property Damage | -10% |
| Comprehensive | -21% |
| Personal Injury | -25% |
| Medical Payment | -30% |
| Bodily Injury | -18% |
| Source: Insurance Institute for Highway Safety | |
Ford Explorer Finance and Insurance Cost
If you are financing a Ford Explorer, you will pay more if you purchase Ford Explorer auto insurance at the dealership, so be sure to shop around and compare Ford Explorer auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Ford Explorer Insurance
Save more on your Ford Explorer car insurance rates. Take a look at the following five strategies that will get you the best Ford Explorer auto insurance rates possible.
- Ask About Mature Driver Discounts for Drivers Over 50
- Ask About Ford Explorer Low Mileage Discounts
- Don’t Always Pick the Cheapest Ford Explorer Insurance Policy
- Pay Your Ford Explorer Insurance Upfront
- Avoid the Temptation to File a Claim for Minor Incidents
Top Ford Explorer Insurance Companies
Who is the top car insurance company for Ford Explorer insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Explorer auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Explorer offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
How much does car insurance for a Ford Explorer cost?
On average, Ford Explorer car insurance rates are $1,308 per year or $109 per month.
What factors affect the cost of Ford Explorer insurance?
The cost of Ford Explorer insurance is influenced by factors such as the age of the vehicle, driver age, location, driving record, safety ratings, and insurance loss probability.
Are Ford Explorers expensive to insure?
Ford Explorer insurance rates are comparable to other SUVs. However, you can find cheaper rates by comparing quotes online.
How does the age of the vehicle impact Ford Explorer insurance rates?
Newer models of Ford Explorer tend to have higher insurance rates compared to older models.
What safety features can lower Ford Explorer insurance rates?
Having safety features on your Ford Explorer, such as anti-lock brakes and airbags, can potentially earn you a discount on your insurance.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.