Ford Explorer XLT AWD Insurance Rates

Average insurance rates for a Ford Explorer XLT AWD are $1,266 a year for full coverage. Comprehensive insurance costs on average $298 a year, collision costs $446, and liability costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing $2,702 or more. Teenage drivers receive the highest rates at $4,658 a year or more.

Annual premium for full coverage: $1,266

Rate estimates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Explorer Trim Level

These differences show why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance prices for a Ford Explorer XLT AWD can also vary considerably based on your driver profile, the model year of your Explorer, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford Explorer XLT AWD insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $500 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

View Chart as Image

Chart shows Ford Explorer XLT AWD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $745. Drivers who use higher $1,000 deductibles will pay around $1,098. The average rate for a 40-year-old male driver using $500 deductibles is $1,266. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,590. Drivers with multiple violations and accidents could be charged as much as $2,702. The cost for full coverage for a teen driver can be as high as $4,658.

View Chart as Image