Car Insurance Costs for a Ford Explorer

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Here's what you need to know...
  • The Ford Explorer insurance costs will depend on a number of factors
  • The Explorer is a Top Safety Pick, so that rating helps keep premiums lower
  • Having a good credit score a good driving history will help your premiums stay as low as possible


Car insurance for a Ford Explorer is going to vary depending on numerous factors.

An insurance company is going to weigh the various risk factors before determining the cost to insure the vehicle.

Factors that contribute to the car insurance premiums include:

  • Where the driver lives
  • The gender of the driver
  • The age of the driver
  • The marital status of the driver
  • Driving record
  • Credit rating
  • Type of car driven
  • Year of car driven
  • Yearly miles the car is driven

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Where does the Ford Explorer rank among the most economical types of cars to insure?

A couple sitting on the back of an SUV.

The most economical cars to insure these days are usually sports utility vehicles and minivans.

Since a Ford Explorer is an SUV, you can be pleased to know that it ranks in the Top 10 of the most economical cars to insure according to the Insurance Institute of Highway Safety.

Sports utility vehicles are more economical to insure due to the type of people who drive them. Drivers of sports utility vehicles like the Ford Explorer are traditionally married individuals with children.

Statistics show that these are not usually the type of individual to speed or otherwise drive irresponsibly.

Statistics also show that owners of sports utility vehicles like Ford Explorers do not usually commute to work, so they are avoiding the dangers of rush hour as well as limiting the miles put on the car.

Another reason the Ford Explorer is so economical to insure is due to the fact that it is not often stolen. Cars that are stolen fairly often are more expensive to insure.

Ford Explorers are manufactured in the United States, which means parts are easily and readily replaced. This also plays a role in the cost of repair for insurance purposes.

The last reason a Ford Explorer is ranked Number 10 on the most economical cars to insure is due to the price of the vehicle.

Ford Explorers are reasonably priced, which plays a role in repair and replacement of the vehicle when the insurance company is calculating risk.

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How does the Ford Explorer rank on the Insurance Institute for Highway Safety list?

Insurance premiums are also determined depending on how a car holds up in an accident. The insurance company is concerned with risk, so cars that do not fare well in an accident cost more to insure.

An important reason Ford Explorers are cheap to insure is due to the safety ratings that the Insurance Institute of Highway Safety rates the car.

The Insurance Institute of Highway Safety gave the Ford Explorer a “Good” rating for certain models and an “Acceptable” rating for other models.

According to the IIHS, the test results were as follows:

  • 2011-2012 models all received ratings of “Good,” which is the highest rating possible for front, side, and roof impact
  • 2006-2010 models received a “Good” rating for all frontal impact and an acceptable rating for side impact. There was no roof test performed

If a car is considered safe, the insurance company is going to offer a lower rate because its risk to insure the vehicle is minimized.

This is because your chances of getting injured in a Ford Explorer are considered to be less than in another vehicle.

In fact, the Insurance Institute of Highway Safety awarded the Ford Explorer 2011 model with the prestigious Top Safety Pick award.

What can I expect to pay to insure my Ford Explorer?

Factors written on a chalkboard

Although insurance premiums vary depending on factors like the ones mentioned above, there is actually a guide for the insurance industry to see averages of costs of cars to be insured.

The guide is known as Plunkett’s Insurance Industry Almanac. Jack Plunkett writes one every year, and it can provide an estimate of the cost to insure cars regardless of the other factors.

For instance, in his 2007 book Plunkett provides a quote of $918 a year to insure a Ford Explorer.

However, a more recent insurance rate published by Automobile magazine claims that the insurance cost for a 2012 Ford Explorer will run you $1,398 a year.

These costs are simply estimates and there are many factors involved in determining insurance costs. You can be your biggest advocate in receiving a good rate by obeying traffic laws and maintaining a good credit score and a good driving record.

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