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: Dec 6, 2021

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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 insurance rates for a Ford Explorer are $1,282 a year for full coverage insurance. Comprehensive insurance costs approximately $272, collision costs $436, and liability insurance is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $2,762 or more. 16-year-old drivers cost the most to insure at $4,836 a year or more.

Average premium for full coverage: $1,282

Policy rates by type of insurance:

Comprehensive $272
Collision $436
Liability $416

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Explorer models.

Price Range Variability

For the average driver, Ford Explorer insurance rates go from as low as $474 for just liability insurance to the much higher price of $2,762 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how location impacts auto insurance prices.

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

The examples above illustrate why everyone should compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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.

More Rate Details

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

  • The best full coverage rate is $749
  • Raising to $1,000 deductibles will save $162 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,282
  • Buying pricier low deductibles will cost an extra $310 a year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,762 or more
  • Policy cost for full coverage for a teen driver for full coverage can cost $4,836

View Chart as Image

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

Insurance rates for a Ford Explorer also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state also has a big influence on Ford Explorer insurance rates. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles can reduce rates by up to $480 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Ford Explorer insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.

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 the Best Ford Explorer Insurance

Finding cheaper rates on Ford Explorer insurance consists of being a low-risk driver, maintaining good credit, being claim-free, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the primary concepts that were touched on above.

  • It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers who tend to receive serious violations may pay on average $1,480 more per year to insure their Explorer
  • Increasing comprehensive and collision deductibles can save around $475 each year
  • Teen drivers are expensive to insure, possibly costing $403 each month for full coverage

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 $4,836
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.

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