Ford Explorer Car Insurance Cost
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UPDATED: Jun 22, 2022
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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
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Average full coverage auto insurance premium: $136/month
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Most affordable companies: USAA ($97/month) & GEICO ($101/month)
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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.
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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:
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Arizona car insurance – $1,057 per year
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Kentucky car insurance – $1,316 per year
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Florida car insurance – $1,970 per year
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Georgia car insurance – $1,564 per year
- New York car insurance – $2,219 per year
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Texas car insurance – $1,254 per year
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 score, type 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
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Student discounts
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Safe drivers
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Senior discounts
With all Ford models, you can get the following car insurance discounts:
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Passive restraint systems
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Anti-lock brakes
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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 Toyota, Honda, 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.
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.
2021 Ford Explorer
Cheapest Insurance Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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