Ford Explorer Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

The average auto insurance rates for a Ford Explorer are $1,268 annually with full coverage. Comprehensive insurance costs approximately $262, collision costs $418, and liability coverage is estimated at $430. A liability-only policy costs approximately $486 a year, with high-risk insurance costing $2,732 or more. Teenage drivers cost the most to insure at $4,812 a year or more.

Average premium for full coverage: $1,268

Policy rates by type of insurance:

Comprehensive $262
Collision $418
Liability $430

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Explorer trim levels.

Price Range Variability

For the average 40-year-old driver, Ford Explorer insurance rates go from as cheap as $486 for just liability coverage to a much higher rate of $2,732 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,268
High Risk $2,732

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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.

Detailed Rate Analysis

The chart below details estimated Ford Explorer insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $743
  • Choosing higher $1,000 deductibles can save $154 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,268
  • Using more expensive low deductibles for comp and collision coverage costs an additional $300 each year
  • Drivers who are prone to accidents and violations could pay around $2,732 or more
  • Policy cost with full coverage for a teenage driver with full coverage can cost $4,812 each year

View Chart as Image

Ford Explorer insurance cost comparison chart
Column chart showing full coverage Ford Explorer insurance prices range from $743 to $4,812

Car insurance rates for a Ford Explorer also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $460 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Explorer insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

Ford Explorer Insurance Rates by State
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%

View Chart as Image

Ford Explorer insurance rates by U.S. city

Because rates have so much variability, 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 uses a different method to calculate rates, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Ford Explorer Insurance Rates by Model and Trim Level
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.

Ford Explorer Insurance Rates by Model Year
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 Cheaper Ford Explorer Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save around $150 per year simply by shopping early and online
  • Drivers with multiple at-fault accidents may pay on average $1,460 more per year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $450 each year
  • Teenage drivers pay the highest auto insurance rates, as much as $401 each 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

Rates by Driver Age

Ford Explorer Insurance 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

Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,428
$500 $1,268
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
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

Ford Explorer Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $743

Discounts are estimated and may not be available from every company or in every state.

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