How Much are Ford Explorer Insurance Rates?

Average auto insurance rates for a Ford Explorer cost $1,308 a year, or around $109 a month. On average, comprehensive coverage costs $319, collision coverage costs $465, and liability coverage costs $369 for Ford Explorer insurance. With 25 years in production, the age of your Explorer will have a big impact on rates and cost of ownership.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
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UPDATED: Jul 28, 2020

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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

Ford Explorer insurance rates average $1,308 a year or $109 a month for full coverage. Older Ford Explorers may just need liability coverage, which averages $524 a year or $44 a month.

Good drivers can save up to $539 a year with policy discounts by practicing safe driving habits. Let’s look at Ford Explorer insurance rates, safety ratings, and more.

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 rates 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 Acura MDX, Acura RDX, and BMW X3.

VehicleComprehensiveCollisionLiabilityTotal
Ford Explorer$308$470$372$1,308
Acura MDX$376$562$372$1,468
Acura RDX$308$532$316$1,292
BMW X3$376$656$372$1,562
Jeep Wrangler$280$376$420$1,256
Mitsubishi Outlander$306$542$332$1,316
Ford Flex$332$566$398$1,454

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 can impact the total price you will pay for Ford Explorer auto insurance coverage.

Age of the Vehicle

The average Ford Explorer auto insurance rates are higher for newer models. 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 YearComprehensiveCollisionLiabilityTotal
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

Driver age can have a significant effect on Ford Explorer car insurance rates. For example, 20-year-old drivers pay $1,599 more for their Ford Explorer car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Explorer insurance rates. For example, drivers in Los Angeles may pay $1,125 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Ford Explorer auto 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 influenced by the Ford Explorer’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideAcceptable
Small overlap front: passenger-sideNot Tested
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Ford Explorer Crash Test Ratings

Ford Explorer crash test ratings will affect your Ford Explorer car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Ford Explorer SUV RWD5 stars5 stars5 stars4 stars
2020 Ford Explorer SUV 4WD5 stars5 stars5 stars4 stars
2020 Ford Explorer PHEV SUV RWDN/RN/RN/RN/R
2020 Ford Explorer PHEV SUV 4WDN/RN/RN/RN/R
2020 Ford Explorer HEV SUV RWD5 stars5 stars5 stars4 stars
2020 Ford Explorer HEV SUV 4WD5 stars5 stars5 stars4 stars
2019 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2019 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
2018 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2018 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
2017 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2017 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
2016 Ford Explorer 4 DR SUV FWD5 stars5 stars5 stars4 stars
2016 Ford Explorer 4 DR SUV AWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Explorer Safety Features

The more safety features you have on your Ford Explorer, the more likely it is that you can earn a discount. The Ford Explorer’s safety features include:

  • 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 Ford Explorer’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Explorer, others are more favorable and lead to lower insurance rates.

Insurance Coverage CategoryLoss Rate
Collision-20%
Property Damage-10%
Comprehensive-21%
Personal Injury-25%
Medical Payment-30%
Bodily Injury-18%
Source: Insurance Institute for Highway Safety

Ford Explorer Finance and Insurance Cost

If you are financing a Ford Explorer, you will pay more if you purchase Ford Explorer auto insurance at the dealership, so be sure to shop around and compare Ford Explorer auto insurance quotes from the best companies using our FREE tool below.

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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 Mature Driver Discounts for Drivers Over 50
  • Ask About Ford Explorer Low Mileage Discounts
  • Don’t Always Pick the Cheapest Ford Explorer Insurance Policy
  • Pay Your Ford Explorer Insurance Upfront
  • Avoid the Temptation to File a Claim for Minor Incidents

Top Ford Explorer Insurance Companies

Who is the top car insurance 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 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Explorer offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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