Best Ford Explorer Car Insurance Quotes (2024)
Ford Explorer insurance rates will cost $109 per month on average. The age of your vehicle will influence your insurance, as 2017 Ford Explorer insurance costs will be more than 2002 Ford Explorer insurance coverage. Find low rates online by comparing Ford Explorer insurance quotes below.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 are about $211 less per year than the average vehicle, coming in at around $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 for remaining claim-free. 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.
What is the Ford Explorer Insurance Cost?
The average Ford Explorer auto 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 Mitsubishi Outlander, Kia Sorento, and Lexus LX 570.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Explorer | $308 | $470 | $372 | $1,308 |
| Mitsubishi Outlander | $306 | $542 | $332 | $1,316 |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Lexus LX 570 | $444 | $834 | $398 | $1,834 |
| Hyundai Santa Fe | $294 | $562 | $372 | $1,386 |
| Mazda CX-9 | $332 | $542 | $390 | $1,422 |
| Chevrolet Traverse | $336 | $470 | $316 | $1,258 |
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 rates for a 2020 Ford Explorer cost $1,308, while 2010 Ford Explorer rates 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 |
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Driver Age
Driver age can have a significant impact on Ford Explorer auto insurance rates. For example, 20-year-old drivers pay approximately $1,599 more each year for their Ford Explorer auto insurance 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 $187 a year more than drivers in Houston.
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 car insurance with violations on their driving record.
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What are the 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 | |
What are the Ford Explorer Crash Test Ratings?
If the Ford Explorer crash test ratings are good, you could have lower Ford Explorer car insurance rates. See Ford Explorer crash test results below:
| 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 | ||||
|---|---|---|---|---|
What are the Ford Explorer Safety Features?
Having a variety of safety features on your Ford Explorer can help lower your Ford Explorer insurance costs. 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
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What is the Ford Explorer Insurance Loss Probability?
The lower percentage means lower Ford Explorer car insurance rates; higher percentages mean higher Ford Explorer auto insurance rates. Insurance loss probability on the Ford Explorer fluctuates between each type of coverage.
| 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 | |
What is the 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.
What are the Ways to Save on Ford Explorer Insurance?
You have more options at your disposal to save money on your Ford Explorer auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Explorer car insurance rates
- Purchase a Roadside Assistance Program for Your Ford Explorer
- Ask About Farm and Ranch Vehicle Discounts
- Check Your Ford Explorer Policy Carefully to Ensure All Information is Correct
- Ask for a New Ford Explorer Auto Insurance Rate Based on Your Improved Credit Score
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
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What are the Top Ford Explorer Insurance Companies?
The best auto insurance companies for Ford Explorer car insurance rates will offer competitive rates, insurance discounts, and account for the Ford Explorer’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| 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 | |||
How to Compare Free Ford Explorer Insurance Quotes Online
You can start comparing quotes for Ford Explorer auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Frequently Asked Questions
What factors affect my Ford Explorer car insurance rates?
Insurance companies use various factors to determine your car insurance rates, including your driving history, age, location, credit score, and the make and model of your car. The Ford Explorer’s safety ratings, repair costs, and likelihood of theft may also impact your rates.
How can I get the best car insurance rates for my Ford Explorer?
To get the best rates, shop around and compare quotes from multiple insurance companies. You may also consider raising your deductible, improving your credit score, or taking advantage of any discounts you may be eligible for, such as safe driver or multi-policy discounts.
Is it more expensive to insure a newer Ford Explorer?
Generally, newer cars are more expensive to insure than older cars because they may have a higher value and require more expensive repairs. However, the Ford Explorer’s specific model year, trim level, and safety features can also impact insurance rates.
What types of coverage should I consider for my Ford Explorer?
At minimum, you will need liability coverage to protect yourself financially in case you are responsible for an accident. You may also consider collision and comprehensive coverage to protect your Ford Explorer from damages or theft. Other types of coverage, such as uninsured motorist coverage, may also be recommended depending on your specific situation.
Can I save money on car insurance for my Ford Explorer by bundling with my home insurance?
Many insurance companies offer discounts for bundling multiple policies, such as car and home insurance. Contact your insurance provider to see if bundling can save you money on your Ford Explorer car insurance rates.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.