UPDATED: Jul 31, 2020
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 partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
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.
- 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
Don’t let Ford Explorer insurance rates trip you up when shopping. Full coverage for a Ford Explorer costs around $1,308 a year or $109 each month. Read on for a breakdown of insurance rates for a Ford Explorer and to discover how to save.
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.
Ford Explorer Insurance Cost
The average Ford Explorer car insurance costs are $1,308 a year or $109 a month.
Are Ford Explorers Expensive to Insure?
The chart below details how Ford Explorer insurance rates compare to other SUVs like the Volkswagen Touareg, Kia Sorento, and Toyota Highlander.
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 will affect the total price you will pay for Ford Explorer insurance coverage.
Age of the Vehicle
Older Ford Explorer models generally cost less to insure. For example, auto insurance for a 2020 Ford Explorer costs $1,308, while 2010 Ford Explorer insurance costs are $1,092, a difference of $216.
|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|
Driver age can have a significant effect on the cost of Ford Explorer car insurance. For example, a 20-year-old driver could pay around $133 more each month for their Ford Explorer car insurance than a 30-year-old driver.
Where you live can have a large impact on Ford Explorer insurance rates. For example, drivers in New York may pay $340 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Ford Explorer car insurance. Teens and drivers in their 20’s see the highest jump in their Ford Explorer auto insurance rates with violations on their driving record.
Ford Explorer Safety Ratings
Your Ford Explorer auto insurance rates are tied to the Ford Explorer’s safety ratings. See the breakdown below:
|Small overlap front: driver-side||Acceptable|
|Small overlap front: passenger-side||Not Tested|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
Ford Explorer Crash Test Ratings
Good Ford Explorer crash test ratings mean the VW is safer, which could mean cheaper Ford Explorer car insurance rates.
|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|
Ford Explorer Safety Features
Good Ford Explorer safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Ford Explorer are:
- 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
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|
|Source: Insurance Institute for Highway Safety|
Ford Explorer Finance and Insurance Cost
If you are financing a Ford Explorer, most lenders will require your carry higher Ford Explorer coverages including comprehensive coverage, so be sure to compare Ford Explorer car insurance rates from the best companies using our FREE tool below.
Ways to Save on Ford Explorer Insurance
Save more on your Ford Explorer car insurance rates. Take a look at the following five strategies that will get you the best Ford Explorer auto insurance rates possible.
- Ask About Farm and Ranch Vehicle Discounts
- Ask About Retiree Discounts
- Check Your Ford Explorer Policy Carefully to Ensure All Information is Correct
- Don’t Assume your Ford Explorer is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
- Add a More Experienced Driver to Your Ford Explorer Policy
Top Ford Explorer Insurance Companies
Who is the best company for Ford Explorer insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Explorer insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Explorer offers.
|Source: Insurance Information Institute|
Compare Free Ford Explorer Insurance Quotes Online
Start comparing Ford Explorer car insurance quotes for free by using our convenient online comparison tool.