Compare Ford Explorer Insurance Rates [Everything You Need to Know]

Average Ford Explorer insurance rates cost $1,308 a year, or around $109 a month. Mature drivers with good driving records may find rates as low as $769 a year.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 3, 2021

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Key takeaways:

  • 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.

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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.

Vehicle Comprehensive Collision Liability Total
Ford Explorer $308 $470 $372 $1,308
Volkswagen Touareg $372 $690 $390 $1,610
Kia Sorento $322 $562 $372 $1,414
Toyota Highlander $332 $512 $390 $1,392
Audi Q3 $344 $686 $398 $1,586
Buick Encore $322 $562 $372 $1,414
Volvo XC60 $306 $536 $338 $1,316
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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.

Model Year Comprehensive Collision Liability Total
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
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Driver Age

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.

Driver Location

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 Ford Explorer insurance costs. 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:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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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.

Vehicle Tested Overall Frontal Side Rollover
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
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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
Collision -20%
Property Damage -10%
Comprehensive -21%
Personal Injury -25%
Medical Payment -30%
Bodily Injury -18%
Source: Insurance Institute for Highway Safety
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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.

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Compare Quotes From Top Companies and Save

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.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Ford Explorer Insurance Quotes Online

While independent agents can help with getting deals on insurance, you can start comparing Ford Explorer car insurance quotes for free by using our convenient online comparison tool.

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