Ford Explorer Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Dec 6, 2021

Advertiser Disclosure

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 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 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 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.

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.

Average insurance rates for a Ford Explorer are $1,282 a year for full coverage. Comprehensive insurance costs around $272 each year, collision insurance costs $436, and liability costs around $416. A policy with just liability insurance costs as low as $474 a year, and coverage for high-risk drivers costs $2,762 or more. Teenage drivers receive the highest rates at up to $4,836 a year.

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Comprehensive $272
Collision $436
Liability $416

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Explorer models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $474 for just the minimum liability insurance to a high rate of $2,762 for a driver required to buy high-risk insurance.

Liability Only $474
Full Coverage $1,282
High Risk $2,762

Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These examples show why all drivers should compare prices for a specific zip code and risk profile, instead of 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.

Additional Rate Analysis

The chart below shows average Ford Explorer insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $749
  • Using higher $1,000 deductibles will save about $162 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,282
  • Using low deductibles for physical damage coverage will cost an extra $310 every year
  • Drivers who are prone to accidents and violations could pay at least $2,762
  • The cost for full coverage for a teen driver can be $4,836 or more

View Chart as Image

Ford Explorer insurance cost comparison chart
Column chart showing Ford Explorer insurance prices range from $749 to $4,836 for full coverage

Insurance rates for a Ford Explorer can also vary considerably based on your driver profile, the trim level of your Explorer, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you live has a huge impact on Ford Explorer insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

Ford Explorer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,160 -$122 -9.5%
Alaska $984 -$298 -23.2%
Arizona $1,066 -$216 -16.8%
Arkansas $1,282 -$0 0.0%
California $1,462 $180 14.0%
Colorado $1,226 -$56 -4.4%
Connecticut $1,320 $38 3.0%
Delaware $1,452 $170 13.3%
Florida $1,606 $324 25.3%
Georgia $1,186 -$96 -7.5%
Hawaii $922 -$360 -28.1%
Idaho $868 -$414 -32.3%
Illinois $956 -$326 -25.4%
Indiana $968 -$314 -24.5%
Iowa $866 -$416 -32.4%
Kansas $1,220 -$62 -4.8%
Kentucky $1,752 $470 36.7%
Louisiana $1,898 $616 48.0%
Maine $792 -$490 -38.2%
Maryland $1,058 -$224 -17.5%
Massachusetts $1,026 -$256 -20.0%
Michigan $2,228 $946 73.8%
Minnesota $1,074 -$208 -16.2%
Mississippi $1,536 $254 19.8%
Missouri $1,140 -$142 -11.1%
Montana $1,380 $98 7.6%
Nebraska $1,012 -$270 -21.1%
Nevada $1,538 $256 20.0%
New Hampshire $924 -$358 -27.9%
New Jersey $1,434 $152 11.9%
New Mexico $1,134 -$148 -11.5%
New York $1,352 $70 5.5%
North Carolina $740 -$542 -42.3%
North Dakota $1,050 -$232 -18.1%
Ohio $888 -$394 -30.7%
Oklahoma $1,318 $36 2.8%
Oregon $1,176 -$106 -8.3%
Pennsylvania $1,224 -$58 -4.5%
Rhode Island $1,710 $428 33.4%
South Carolina $1,162 -$120 -9.4%
South Dakota $1,084 -$198 -15.4%
Tennessee $1,124 -$158 -12.3%
Texas $1,548 $266 20.7%
Utah $952 -$330 -25.7%
Vermont $878 -$404 -31.5%
Virginia $770 -$512 -39.9%
Washington $994 -$288 -22.5%
West Virginia $1,176 -$106 -8.3%
Wisconsin $888 -$394 -30.7%
Wyoming $1,142 -$140 -10.9%

View Chart as Image

Ford Explorer insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $480 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 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 least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

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 $1,200 $100
Ford Explorer Eddie Bauer 2WD $1,242 $104
Ford Explorer XLT 4WD $1,242 $104
Ford Explorer XLT AWD $1,242 $104
Ford Explorer Eddie Bauer 4WD $1,324 $110
Ford Explorer Eddie Bauer AWD $1,324 $110
Ford Explorer Limited 2WD $1,324 $110
Ford Explorer Limited 4WD $1,364 $114
Ford Explorer Limited AWD $1,364 $114

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 $272 $436 $416 $1,282
2019 Ford Explorer $262 $418 $430 $1,268
2018 Ford Explorer $248 $404 $442 $1,252
2017 Ford Explorer $238 $374 $452 $1,222
2016 Ford Explorer $230 $352 $456 $1,196
2015 Ford Explorer $220 $316 $460 $1,154
2014 Ford Explorer $206 $292 $460 $1,116
2013 Ford Explorer $198 $272 $464 $1,092
2012 Ford Explorer $194 $254 $474 $1,080
2011 Ford Explorer $180 $236 $474 $1,048
2010 Ford Explorer $174 $214 $478 $1,024
2009 Ford Explorer $162 $196 $474 $990
2008 Ford Explorer $152 $178 $474 $962
2007 Ford Explorer $148 $160 $468 $934
2006 Ford Explorer $146 $156 $460 $920
2005 Ford Explorer $144 $150 $452 $904
2004 Ford Explorer $132 $142 $446 $878
2003 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 Find More Affordable Ford Explorer Insurance

Saving money on car insurance requires having a good driving record, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The next list is a summary of the data illustrated above.

  • Policyholders who may need increased levels of liability coverage will pay an extra $460 each year to increase from a minimum limit to 250/500 limits
  • Drivers can save up to $150 per year just by quoting online in advance
  • Increasing deductibles can save around $475 each year
  • Drivers age 20 and younger are charged the highest rates, costing as high as $403 per month including comprehensive and collision insurance

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. 

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $4,836
20 $2,938
30 $1,332
40 $1,282
50 $1,174
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Ford Explorer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,450
$500 $1,282
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Ford Explorer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,282
50/100 $1,447
100/300 $1,551
250/500 $1,822
100 CSL $1,489
300 CSL $1,718
500 CSL $1,884

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Explorer Insurance Rates for High Risk Drivers
Age Premium
16 $6,874
20 $4,676
30 $2,816
40 $2,762
50 $2,636
60 $2,610

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 $175

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $82
Paid in Full/EFT $56
Advance Quote $61
Online Quote $90
Total Discounts $533
Rate after discounts $749

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles