Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford Explorer? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford Explorer car insurance facts

  • Average full coverage auto insurance premium: $136/month

  • Most affordable companies: USAA ($97/month) & GEICO ($101/month)

  • Edge car insurance cost vs. average rates: $16 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford Explorer by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Ford Explorer insurer costs by state:

Risk factors affecting Ford Explorer car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford Explorer car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford Explorer repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford Explorer affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1960
Auto-Owners$1347
Cincinnati Insurance$2408
Direct Auto$2351
Erie$1530
GEICO$1216
Kentucky Farm Bureau$2267
Liberty Mutual$1956
MetLife$2467
Nationwide$1805
Plymouth Rock Insurance$2027
Progressive$2240
State Farm$1459
Tennessee Farmers$1255
Texas Farm Bureau$1642
The Hanover$2319
Travelers$1416
USAA$1181

Compare all 2021 Ford Explorer rates

Average Cost to Insure Per Year

$1630

List Price

$28940

Trims Available

XL - XLT - Lariat - Police Responder - Raptor - King Ranch - Platinum - Limited - Base Engine: twin-turbocharged 2.7-liter EcoBoost V6 engine at 325 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1951
Auto-Owners$1338
Erie$1529
Farmers$2213
GEICO$1205
Liberty Mutual$1921
Mercury$2035
MetLife$2411
Nationwide$1791
Progressive$2190
State Farm$1430
Tennessee Farmers$1250
Texas Farm Bureau$1624
The Hanover$2318
Travelers$1409
USAA$1160

Compare all 2020 Ford Explorer rates

Average Cost to Insure Per Year

$1482

List Price

$32765

Trims Available

Base - Police Interceptor - XLT - Limited - Sport - Platinum - Base Engine: 2.3L EcoBoost engine generating 300 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1940
Auto-Owners$1320
Erie$1499
GEICO$1167
Kentucky Farm Bureau$2144
Liberty Mutual$1896
Mercury$2016
MetLife$2380
Nationwide$1777
Progressive$2085
State Farm$1426
Tennessee Farmers$1249
Texas Farm Bureau$1600
The Hanover$2279
Travelers$1387
USAA$1126

Compare all 2019 Ford Explorer rates

Average Cost to Insure Per Year

$1368

List Price

$32365

Trims Available

Base - Police Interceptor - XLT - Limited - Sport - Platinum - Base Engine: 2.3L EcoBoost engine generating 300 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1172
Acuity$ 1172
Allied$ 1012
Allied$ 1012
Country$ 1215
Country$ 1215
Erie$ 733
Erie$ 733
GEICO$ 672
GEICO$ 672
Nationwide$ 946
Nationwide$ 946
Plymouth Rock Insurance$ 1105
Plymouth Rock Insurance$ 1105
Progressive$ 836
Progressive$ 836
State Farm$ 1012
State Farm$ 1012
Tennessee Farmers$ 1122
Tennessee Farmers$ 1122
USAA$ 943
USAA$ 943
Vermont Mutual$ 1091
Vermont Mutual$ 1091

Compare all 2018 Ford Explorer rates

Average Cost to Insure Per Year

$ 1096

List Price

$ 32140

Trims Available

Base - Police Interceptor - XLT - Limited - Sport - Platinum

2017 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1173
Acuity$ 1173
Allied$ 1063
Allied$ 1063
Arbella$ 1234
Arbella$ 1234
Country$ 1196
Country$ 1196
Erie$ 717
Erie$ 717
GEICO$ 685
GEICO$ 685
Nationwide$ 993
Nationwide$ 993
Plymouth Rock Insurance$ 1091
Plymouth Rock Insurance$ 1091
Progressive$ 864
Progressive$ 864
State Farm$ 997
State Farm$ 997
USAA$ 887
USAA$ 887
Vermont Mutual$ 1065
Vermont Mutual$ 1065

Compare all 2017 Ford Explorer rates

Average Cost to Insure Per Year

$ 1107

List Price

$ 31660

Trims Available

Base - Police Interceptor - XLT - Limited - Sport - Platinum

2016 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1118
Acuity$ 1118
Allied$ 1057
Allied$ 1057
Country$ 1126
Country$ 1126
Erie$ 681
Erie$ 681
GEICO$ 638
GEICO$ 638
Nationwide$ 957
Nationwide$ 957
Plymouth Rock Insurance$ 1058
Plymouth Rock Insurance$ 1058
Progressive$ 790
Progressive$ 790
State Farm$ 938
State Farm$ 938
Tennessee Farmers$ 1087
Tennessee Farmers$ 1087
USAA$ 795
USAA$ 795
Vermont Mutual$ 1000
Vermont Mutual$ 1000

Compare all 2016 Ford Explorer rates

Average Cost to Insure Per Year

$ 1014

List Price

$ 31050

Trims Available

Base - Police Interceptor - XLT - Limited - Sport - Platinum

2015 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1074
Acuity$ 1074
Allied$ 1000
Allied$ 1000
Erie$ 687
Erie$ 687
GEICO$ 680
GEICO$ 680
Nationwide$ 997
Nationwide$ 997
Plymouth Rock Insurance$ 1039
Plymouth Rock Insurance$ 1039
Progressive$ 841
Progressive$ 841
State Farm$ 939
State Farm$ 939
Tennessee Farmers$ 949
Tennessee Farmers$ 949
Texas Farm Bureau$ 840
Texas Farm Bureau$ 840
USAA$ 804
USAA$ 804
Vermont Mutual$ 940
Vermont Mutual$ 940

Compare all 2015 Ford Explorer rates

Average Cost to Insure Per Year

$ 998

List Price

$ 30185

Trims Available

Police Interceptor - Base - XLT - Limited - Sport

2014 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1061
Acuity$ 1061
Allied$ 1024
Allied$ 1024
Erie$ 688
Erie$ 688
GEICO$ 776
GEICO$ 776
Nationwide$ 1042
Nationwide$ 1042
Plymouth Rock Insurance$ 1029
Plymouth Rock Insurance$ 1029
Progressive$ 881
Progressive$ 881
State Farm$ 984
State Farm$ 984
Tennessee Farmers$ 944
Tennessee Farmers$ 944
Texas Farm Bureau$ 807
Texas Farm Bureau$ 807
USAA$ 830
USAA$ 830
Vermont Mutual$ 925
Vermont Mutual$ 925

Compare all 2014 Ford Explorer rates

Average Cost to Insure Per Year

$ 1010

List Price

$ 30015

Trims Available

Base - Police Interceptor - XLT - Limited - Sport

2013 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1005
Acuity$ 1005
Erie$ 670
Erie$ 670
GEICO$ 723
GEICO$ 723
Nationwide$ 1048
Nationwide$ 1048
Plymouth Rock Insurance$ 1008
Plymouth Rock Insurance$ 1008
Progressive$ 846
Progressive$ 846
Quincy Mutual$ 1051
Quincy Mutual$ 1051
State Farm$ 972
State Farm$ 972
Tennessee Farmers$ 920
Tennessee Farmers$ 920
Texas Farm Bureau$ 790
Texas Farm Bureau$ 790
USAA$ 789
USAA$ 789
Vermont Mutual$ 882
Vermont Mutual$ 882

Compare all 2013 Ford Explorer rates

Average Cost to Insure Per Year

$ 977

List Price

$ 28580

Trims Available

Police Interceptor - Base - XLT - Limited - Sport

2012 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 940
Acuity$ 940
Erie$ 607
Erie$ 607
GEICO$ 666
GEICO$ 666
Nationwide$ 1029
Nationwide$ 1029
Plymouth Rock Insurance$ 987
Plymouth Rock Insurance$ 987
Progressive$ 840
Progressive$ 840
Quincy Mutual$ 1027
Quincy Mutual$ 1027
State Farm$ 884
State Farm$ 884
Tennessee Farmers$ 886
Tennessee Farmers$ 886
Texas Farm Bureau$ 756
Texas Farm Bureau$ 756
USAA$ 740
USAA$ 740
Vermont Mutual$ 811
Vermont Mutual$ 811

Compare all 2012 Ford Explorer rates

Average Cost to Insure Per Year

$ 930

List Price

$ 28280

Trims Available

Base - XLT - Limited

2011 Ford Explorer

Cheapest Insurance CompaniesAverage Annual Cost
Arbella$ 933
Arbella$ 933
Country$ 1001
Country$ 1001
Erie$ 662
Erie$ 662
GEICO$ 784
GEICO$ 784
Plymouth Rock Insurance$ 967
Plymouth Rock Insurance$ 967
Progressive$ 882
Progressive$ 882
Quincy Mutual$ 1002
Quincy Mutual$ 1002
State Farm$ 1051
State Farm$ 1051
Tennessee Farmers$ 872
Tennessee Farmers$ 872
Texas Farm Bureau$ 738
Texas Farm Bureau$ 738
USAA$ 808
USAA$ 808
Vermont Mutual$ 773
Vermont Mutual$ 773

Compare all 2011 Ford Explorer rates

Average Cost to Insure Per Year

$ 960

List Price

$ 28190

Trims Available

Base - XLT - Limited